Loan Calculator
Plan your finances with our easy-to-use loan calculators
Financial Planning Tools
Use our calculators to estimate your loan payments and plan your budget accordingly
Home Loan Calculator
Calculate your estimated monthly payments for a home loan.
MYR 500,000
MYR 100,000
30 years
4.5%
Loan Summary
Your estimated loan details based on the provided information.
Monthly Payment
MYR 2,027
Loan Amount:MYR 400,000
Total Interest:MYR 329,627
Total Payment:MYR 729,627
Loan-to-Value Ratio:80.0%
Financial Tips
Helpful advice for managing your property loan
Understanding Loan-to-Value Ratio
The loan-to-value (LTV) ratio is the percentage of your property's value that you're borrowing. A lower LTV ratio typically results in better interest rates and loan terms. Most lenders prefer an LTV ratio of 80% or less.
The Impact of Interest Rates
Even a small difference in interest rates can significantly impact your total payment over the life of your loan. Consider shopping around for the best rates and whether a fixed or variable rate is better for your situation.
Additional Costs to Consider
Remember that your monthly housing costs will include more than just your loan payment. Factor in property taxes, insurance, maintenance, and possibly homeowner association fees when budgeting.
Need Financial Advice?
Our financial advisors can help you navigate the loan application process and find the best financing options for your the loan application process and find the best financing options for your property purchase. Contact us today to schedule a consultation.