Property Financial Tools

Home Loan &
Cost Calculator

Plan your purchase with clarity — monthly repayments, total costs, stamp duty, legal fees and how much you can afford. All in one place.

Pre-filled for Ren Residence
01

Monthly Loan Repayment

Calculate your estimated monthly instalment based on property price, down payment, interest rate and loan tenure.

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

Affordability Calculator

Find out the maximum property price you can afford based on your net monthly income and existing commitments.

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

Stamp Duty (MOT) Calculator

MOT stamp duty is paid to transfer property ownership. Rates differ for Malaysian citizens and foreigners.

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

Legal Fees Calculator

Estimate solicitor fees for the SPA and loan agreement. Based on the Solicitors' Remuneration Order 2023 (incl. 8% SST).

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

Payment Timeline

Your bank disburses the loan progressively as construction milestones are hit. IDC is charged on the drawn-down amount only — from SPA signing until VP, when full instalments begin.

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.
Stage 1 — SPA Signing Rebate
%
|
RM
Stage 2(a)–2(h) rebate total: RM 0
Nett Price
SPA Price — − Total Rebate — = —
Cashback at VP Received at handover — does not offset signing cash
%
|
RM
Stage 1 (10%) is always paid from buyer's own cash. Bank disburses progressively from Stage 2(a) once buyer cash is exhausted. Full monthly instalments begin at VP. Under HDA, strata VP must be delivered within 36 months of SPA; LAD of 10% p.a. applies for delays.
06

Investor ROI Calculator

Analyse rental yield, annual cash flow, and capital appreciation to evaluate your exit timing and total return on investment.

Gross Rental Yield
—
Net Rental Yield
—
Monthly Cash Flow
—
Annual Cash Flow
—
Exit Value (Year 10)
—
Loan Balance at Exit
—
Net Equity at Exit
—
Total ROI
—
Year-by-Year Cash Flow & Loan Amortisation
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