Term loan
A conventional repayment structure built around scheduled monthly instalments.
- Simple and predictable
- Extra-payment and redraw rules may be more restrictive
- Suitable if you mainly plan to follow the normal repayment schedule
HOME LOAN CALCULATOR · MALAYSIA
What will this home really cost you?
See your estimated monthly instalment and how much interest you could pay over the full loan.
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ESTIMATED MONTHLY PAYMENT
RM 2,214
FOR35 years
Home price RM 500,000
Loan rate 4.0% p.a.
Loan amount RM 450,000
HOME LOAN CALCULATOR
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Reducing-balance estimateThis is a general mortgage estimate using monthly reducing-balance repayments. Actual bank rates, eligibility, fees and loan terms may differ.
TENURE COMPARISON
Lower monthly payment or less interest?
Compare 20, 25, 30 and 35 years using the same home price, down payment and rate.
MALAYSIA HOME LOAN TYPES
Term, semi-flexi or full-flexi?
The monthly instalment is only part of the decision. How your loan handles extra cash can make a big difference over many years.
Semi-flexi loan
Extra payments can generally reduce your outstanding balance and interest, while redraw is subject to the bank's process and terms.
- Useful for bonuses or occasional extra savings
- Redraw may require a request or fee
- Good middle ground between simplicity and flexibility
Full-flexi loan
Typically links the home financing to a current account so eligible cash balances can offset the amount used for interest calculation.
- Easy to park surplus cash against the loan
- Cash is generally more accessible than a normal prepayment
- Useful for borrowers who keep substantial cash balances
Important: Product names and features differ by bank. Redraw rules, fees, linked-account requirements, offset limits and Islamic financing structures can vary. Always check the bank's product disclosure sheet.
WHY FLEXI CAN MATTER
Your savings can work against your loan.
Example: if you owe RM450,000 and an eligible RM50,000 cash balance offsets the loan, interest may be calculated on roughly RM400,000 instead. At 4% p.a., that difference is roughly RM2,000 of interest in the first year before allowing for changing balances and product rules.
Have cash sitting in savings?
Estimate how much a flexi structure and extra repayments could save you.
Open flexi loan calculatorAVAILABLE NOW
How much home can I comfortably afford?
Enter your income and existing commitments. KiraFirst will work backwards to estimate a practical home budget.