房貸與置業成本計算器

01

每月還款額

根據房價、首期款、利率及貸款年限，估算每月供款額。

Project Name Optional — appears on the PDF

房價（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

負擔能力計算器

根據您的淨收入及現有貸款，計算最高可負擔房價。

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

印花稅（MOT）計算器

產權轉讓印花稅（MOT）在產權轉讓時繳納，本地人與外國人稅率不同。

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

法律費用計算器

根據2023年律師酬勞令（含8% SST）估算買賣合約及貸款協議的律師費。

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

付款時間表

銀行按建築進度分階段撥款，IDC僅按已撥貸款餘額計算利息，直至交樓（VP）後轉為全額還款。

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.

階段1 — 買賣合約簽署回扣

%

|

RM

實際淨價

SPA價 — − 總回扣 — = —

交樓時返現交樓時收取 — 不抵扣簽約現金

%

|

RM

階段1（10%）須由買家自付。銀行從階段2(a)起按進度撥款，IDC僅按已撥款餘額計息，直至交樓（VP）後轉為全額還款。根據HDA規定，公寓VP須在SPA簽署後36個月內完成；延誤須賠償10%年利率違約金。

06

投資回報率計算器

分析您的租金收益、現金流及資本增值——評估出售時機與整體投資回報。

房價（令吉）

貸款比例 (%)

利率 (% 年)

貸款年限（年）

月租收入（令吉）

月維護費（令吉）管理費、保險等

年資本增值 (%)

計劃持有年數

購置成本（令吉）印花稅+法律費

毛租金回報率

—

淨租金回報率

—

月現金流

—

年現金流

—

出售價格（第10年）

—

出售時貸款餘額

—

出售淨收益（扣貸款）

—

總回報率 (ROI)

—

逐年現金流與貸款攤銷

Select sections to include in PDF

Monthly Repayment Affordability Stamp Duty Legal Fees Payment Timeline Investor ROI

房貸與
成本計算器

每月還款額

負擔能力計算器

印花稅（MOT）計算器

法律費用計算器

付款時間表

投資回報率計算器

Ready to Make a Move?

房貸與成本計算器

每月還款額

負擔能力計算器

印花稅（MOT）計算器

法律費用計算器

付款時間表

投資回報率計算器

Ready to Make a Move?

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房貸與
成本計算器