Loan Calculator Malaysia | Estimate Repayment & DSR

Loan amount (RM)100,000

Interest rate (% p.a.)4.5%

Tenure (years)10

Personal & hire-purchase loans usually use flat rate; mortgages use reducing balance.

Estimated monthly repayment

RM 1,036

PrincipalRM 100,000

Total interestRM 24,320

Total payableRM 124,320

Payments120 × monthly

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Gross monthly income (RM)6,000

Existing monthly commitments (RM)1,500

New loan monthly payment (RM)1,000

DSR = (all monthly debt ÷ income). Most banks approve up to ~60–70%.

Your Debt Service Ratio

41.7%

Healthy

Total monthly debtRM 2,500

Room before 70% DSRRM 1,700

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Outstanding balance (RM)300,000

Current rate (% p.a.)4.5%

New rate (% p.a.)3.6%

Remaining tenure (years)25

Estimated monthly savings

RM 158

Current monthlyRM 1,668

New monthlyRM 1,510

Lifetime savingsRM 47,400

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These calculators provide estimates for illustration only and do not constitute a loan offer or financial advice. Actual rates, tenures and eligibility are determined by the bank based on your full profile.

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