Purchase details
Indicative best-available headline rates, last checked 20 Jul 2026 (source: RinggitPlus). Actual offer depends on buyer profile — always verify with the bank.
Buyer profile
First-time home buyer (never owned residential property)
Monthly commitment
Estimated monthly installment
RM 3,146
Loan amount RM 630,000 · 35 years · 3.80% p.a.
Down paymentRM 70,000
Total interest over tenureRM 651,410
Total repaymentRM 1,281,410
Upfront cost breakdown
| Item | Amount |
|---|
Total cash to prepare
RM 88,600
Down payment + stamp duty + legal fees + other costs
Net income
Existing monthly commitments
DSR ceiling
Most banks work to an internal ceiling of roughly 60–70%. Exact threshold varies by bank, income type, and credit profile.
DSR outcome
Maximum new installment allowed
RM 0
At 70% DSR ceiling, after existing commitments
Enter your income to see the outcome.
Total net incomeRM 0
Existing commitmentsRM 0
Max total commitments allowedRM 0
Maximum new installmentRM 0
Disposable income after new loanRM 0
Maximum new installment is calculated on a net-income basis (income after EPF, SOCSO, and tax deductions), matching how most Malaysian banks stress-test affordability: (net income × DSR ceiling%) − existing commitments. Most banks work to an internal DSR ceiling of roughly 60–70%, but the exact threshold, and what counts as a "commitment," varies by bank, income type, and credit profile. This is an estimate for discussion purposes only — always confirm actual affordability with the bank or a licensed loan consultant.
Tenancy details
Move-in cost
Total cash to prepare
RM 7,000
Advance rental + deposits + TA stamp duty + TA (Agency) fee
Breakdown
| Item | Amount |
|---|
Tenancy agreement (TA) stamp duty
RM 0
Based on LHDN's tiered rate on annual rental
Deposit amounts (typically 2 months security + 0.5 month utility, though this varies by landlord and property type) are negotiated between landlord and tenant, not fixed by law. Tenancy agreement stamp duty is calculated per LHDN's schedule: exempt where annual rental is RM2,400 or below; otherwise RM1 for every RM250 (or part thereof) of annual rental above RM2,400 for agreements of 3 years or less, and RM2 per RM250 for longer agreements. Figures are estimates for discussion purposes only — confirm exact stamping cost via LHDN's STAMPS portal or your appointed lawyer.