Estimates for guidance only, based on the rules in force in 2026. Your lawyer, banker or tax adviser will confirm the final figures.
Year-by-year
| Year | Principal paid | Interest paid | Balance |
|---|
Questions
Common questions
What is the monthly instalment on a RM3.15 million loan?
At 4.1% a year over 35 years, about RM14,100 a month. Every 0.25% change in the rate moves it by roughly RM470–RM480.
How much can I borrow for a semi-D in Malaysia?
Usually up to 90% of the price or valuation (whichever is lower) for your first two residential loans and 70% from the third, subject to your DSR.
What is the maximum loan tenure?
Most banks lend for up to 35 years or until the borrower reaches 70, whichever comes first.