置业财务工具

房贷与
成本计算器

清晰规划您的置业计划——每月还款额、总成本、印花税、法律费用及最高负担能力，一站式掌握。

01

每月还款额

根据房价、首期款、利率及贷款年限，估算每月供款额。

Monthly Repayment
RM 0
Loan Amount RM 0
Down Payment RM 0
Total Repayment RM 0
Total Interest Paid RM 0
Based on a standard reducing balance loan. Actual rates vary by bank and applicant profile.
02

负担能力计算器

根据您的净收入及现有贷款，计算最高可负担房价。

Max Property Price
RM 0
Max Loan (90%) RM 0
Max Monthly Payment RM 0
DSR Used 0%
Min Down Payment (10%) RM 0
Enter your take-home pay after EPF & tax. Malaysian banks cap total DSR (all loan commitments) at 70% of net income. Actual approval depends on your bank and credit profile.
03

印花税（MOT）计算器

产权转让印花税（MOT）在产权转让时缴纳，本地人与外国人税率不同。

MOT Stamp Duty RM 0
Loan Agreement Stamp Duty RM 0
Total Stamp Duty RM 0
First home buyers (citizens) purchasing below RM 500,000 are exempt from MOT stamp duty until Dec 2027. Foreign buyers pay a flat 4% (Budget 2025). Rates subject to change — verify with a solicitor.
04

法律费用计算器

根据2023年律师酬劳令（含8% SST）估算买卖合约及贷款协议的律师费。

SPA Legal Fee (incl. 8% SST) RM 0
Loan Agreement Fee (incl. 8% SST) RM 0
Total Legal Fees RM 0
Legal fees are subject to 8% SST. Disbursements (searches, stamps, registration) are additional — request a full quote from your solicitor.
05

付款时间表

银行按建筑进度分阶段拨款，IDC仅按已拨贷款余额计算利息，直至交房（VP）后转为全额还款。

Schedule H — Payment Timeline (Strata Residential)
Developer Rebate by Stage Stage 1 rebate is in the first row. Add any additional rebates at specific construction stages below.
阶段1 — 买卖合约签署回扣
%
|
RM
阶段2(a)–2(h)回扣合计： RM 0
实际净价
SPA价 — − 总回扣 — = —
交房时返现 交房时收取 — 不抵扣签约现金
%
|
RM
阶段1（10%）须由买家自付。银行从阶段2(a)起按进度拨款，IDC仅按已拨款余额计息，直至交房（VP）后转为全额还款。根据HDA规定，公寓VP须在SPA签署后36个月内完成；延误须赔偿10%年利率违约金。
06

投资回报率计算器

分析您的租金收益、现金流及资本增值——评估出售时机与整体投资回报。

毛租金回报率
—
净租金回报率
—
月现金流
—
年现金流
—
出售价格（第10年）
—
出售时贷款余额
—
出售净收益（扣贷款）
—
总回报率 (ROI)
—
逐年现金流与贷款摊销
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