{"id":23,"date":"2026-07-08T07:11:21","date_gmt":"2026-07-08T07:11:21","guid":{"rendered":"https:\/\/ncgsolution.com.my\/calculator\/"},"modified":"2026-07-23T14:58:56","modified_gmt":"2026-07-23T06:58:56","slug":"calculator","status":"publish","type":"page","link":"https:\/\/ncgsolution.com.my\/zh\/calculator\/","title":{"rendered":"\u8d37\u6b3e\u8ba1\u7b97\u5668"},"content":{"rendered":"<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/images.unsplash.com\/photo-1554224155-6726b3ff858f?auto=format&amp;fit=crop&amp;w=1600&amp;q=70\" \/><\/p>\n<p>\u9996\u9875 \/ \u8ba1\u7b97\u5668<\/p>\n<h1>\u8d37\u6b3e\u8ba1\u7b97\u5668<\/h1>\n<p>\u5e2e\u60a8\u4f30\u7b97\u4e2a\u4eba\u3001\u4f01\u4e1a\u6216\u623f\u5c4b\u8d37\u6b3e\u7684\u6708\u4f9b\u548c\u5f80\u540e\u7684\u8fd8\u6b3e\u3002\u4ec5\u4f9b\u53c2\u8003\uff0c\u6700\u7ec8\u6761\u6b3e\u8fd8\u662f\u7531\u94f6\u884c\u51b3\u5b9a\u3002<\/p>\n<p>\u6708\u4f9b<br \/>\nDSR<br \/>\n\u518d\u878d\u8d44<\/p>\n<p>Loan amount (RM)100,000<br \/>\nInterest rate (% p.a.)4.5%<br \/>\nTenure (years)10<\/p>\n<p>\u9012\u51cf\u4f59\u989d<br \/>\n\u5e73\u606f<\/p>\n<p>\u4e2a\u4eba\u4e0e\u79df\u8d2d\u8d37\u6b3e\u901a\u5e38\u7528\u5e73\u606f\uff1b\u623f\u8d37\u7528\u9012\u51cf\u4f59\u989d\u3002<\/p>\n<p>\u9884\u4f30\u6bcf\u6708\u8fd8\u6b3e<\/p>\n<p>RM 1,036<\/p>\n<p>PrincipalRM 100,000<br \/>\nTotal interestRM 24,320<br \/>\nTotal payableRM 124,320<br \/>\nPayments120 \u00d7 monthly<\/p>\n<p><a href=\"#\">\u83b7\u53d6\u771f\u5b9e\u62a5\u4ef7<\/a><\/p>\n<p>Gross monthly income (RM)6,000<br \/>\nExisting monthly commitments (RM)1,500<br \/>\nNew loan monthly payment (RM)1,000<\/p>\n<p>DSR =\uff08\u6bcf\u6708\u603b\u8d1f\u503a \u00f7 \u6536\u5165\uff09\u3002\u591a\u6570\u94f6\u884c\u6279\u51c6\u7ea6 60\u201370% \u4ee5\u5185\u3002<\/p>\n<p>\u60a8\u7684\u503a\u52a1\u507f\u8fd8\u6bd4\u7387 (DSR)<\/p>\n<p>41.7%<\/p>\n<p>\u5065\u5eb7<\/p>\n<p>Total monthly debtRM 2,500<br \/>\nRoom before 70% DSRRM 1,700<\/p>\n<p><a href=\"#\">\u8bc4\u4f30\u6211\u7684\u8d44\u683c<\/a><\/p>\n<p>Outstanding balance (RM)300,000<br \/>\nCurrent rate (% p.a.)4.5%<br \/>\nNew rate (% p.a.)3.6%<br \/>\nRemaining tenure (years)25<\/p>\n<p>\u9884\u4f30\u6bcf\u6708\u8282\u7701<\/p>\n<p>RM 158<\/p>\n<p>Current monthlyRM 1,668<br \/>\nNew monthlyRM 1,510<br \/>\nLifetime savingsRM 47,400<\/p>\n<p><a href=\"https:\/\/ncgsolution.com.my\/zh\/mortgage-loan\/\">\u4e86\u89e3\u518d\u878d\u8d44<\/a><\/p>\n<p>\n\u4ee5\u4e0a\u8ba1\u7b97\u5668\u4ec5\u4f9b\u8bf4\u660e\u4f30\u7b97\uff0c\u4e0d\u6784\u6210\u8d37\u6b3e\u8981\u7ea6\u6216\u8d22\u52a1\u5efa\u8bae\u3002\u5b9e\u9645\u5229\u7387\u3001\u5e74\u9650\u4e0e\u8d44\u683c\u7531\u94f6\u884c\u6839\u636e\u60a8\u7684\u5b8c\u6574\u80cc\u666f\u51b3\u5b9a\u3002<\/p>\n<p><img decoding=\"async\" alt=\"NCG loan consultation\" src=\"https:\/\/images.pexels.com\/photos\/7681091\/pexels-photo-7681091.jpeg?auto=compress&amp;cs=tinysrgb&amp;w=900\" \/><\/p>\n<h2>\u51c6\u5907\u597d\u4e0e\u987e\u95ee\u804a\u804a\u4e86\u5417\uff1f<\/h2>\n<p>\u6570\u5b57\u53ea\u662f\u4e2a\u5f00\u59cb\u3002\u8d44\u6df1\u987e\u95ee\u4f1a\u5e2e\u60a8\u628a\u4f30\u7b97\u53d8\u6210\u771f\u6b63\u80fd\u9012\u4ea4\u94f6\u884c\u7684\u65b9\u6848\u3002\u514d\u8d39\uff0c\u6ca1\u6709\u4e49\u52a1\u3002<\/p>\n<p><a href=\"#\">\u514d\u8d39\u8d22\u52a1\u54a8\u8be2<\/a><br \/>\n<a href=\"https:\/\/wa.me\/601137525503\" target=\"_blank\" rel=\"noopener\">WhatsApp<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Home \/ Calculator Loan Calculator Estimate your monthly and future loan commitments for a personal, business or mortgage loan. For guidance only. Final terms are set by the bank. Repayment DSR Refinance Loan amount (RM)100,000 Interest rate (% p.a.)4.5% Tenure (years)10 Reducing balance Flat rate Personal &amp; hire-purchase loans usually use flat rate; mortgages use [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-23","page","type-page","status-publish","hentry"],"acf":[],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"_links":{"self":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/23","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/comments?post=23"}],"version-history":[{"count":1,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/23\/revisions"}],"predecessor-version":[{"id":101,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/23\/revisions\/101"}],"wp:attachment":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/media?parent=23"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}