房贷与置业成本计算器

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。

Project Name Optional — appears on the PDF

房价（令吉）

首期款（%）

Interest Rate (% p.a.)

Loan Tenure (years)

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。

Net Monthly Income (RM) Take-home pay after EPF & tax deductions

Existing Monthly Commitments (RM) Car loan, personal loan, credit card, etc.

Interest Rate (% p.a.)

Loan Tenure (years)

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。

Property Price (RM)

Buyer Type

Loan Amount (RM) For loan agreement stamp duty

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。

Property Price (RM)

Loan Amount (RM)

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。

Property Price (RM)

Buyer Type

Loan Amount (RM)

Interest Rate (% p.a.)

Construction Period (months) Strata: max 36 months under HDA

Cashback disbursed at VP Buyer still pays full down payment at signing

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

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。

房价（令吉）

贷款比例 (%)

利率 (% 年)

贷款年限（年）

月租收入（令吉）

月维护费（令吉）管理费、保险等

年资本增值 (%)

计划持有年数

购置成本（令吉）印花税+法律费

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

Select sections to include in PDF

Monthly Repayment Affordability Stamp Duty Legal Fees Payment Timeline Investor ROI

房贷与
成本计算器

每月还款额

负担能力计算器

印花税（MOT）计算器

法律费用计算器

付款时间表

投资回报率计算器

Ready to Make a Move?

房贷与成本计算器

每月还款额

负担能力计算器

印花税（MOT）计算器

法律费用计算器

付款时间表

投资回报率计算器

Ready to Make a Move?

Results Preview

房贷与
成本计算器