Mortgage Insights

First Home Buyer Mortgage Calculator Malaysia (2026)

A specialized home loan calculator for first-time buyers in Malaysia. Estimate your budget and monthly commitment with current BR/SOP rates.

RM
RM

Monthly Repayment

RM 1,195

Estimated payment including principal and interest

Interest46.2%

Total Interest Paid

RM 232,107

Total Loan Amount

RM 270,000

Loan Insight

Over 35 years, you will pay a total of RM 502,107.

PrincipalRM 270,000
InterestRM 232,107
Total CostRM 502,107

Loan Summary

Daily Interest

RM 18

Yearly Payment

RM 14,346

Loan-to-Value

90.0%

Repayment Multiplier

1.86x

*Repayment amounts are estimates. Actual bank offers may vary based on credit score and MRTA/MLTA requirements.