Monthly Installment for a RM 400,000 House in Malaysia (2026 Breakdown)
For a RM 400,000 property (RM 360,000 loan at 90% LTV), the monthly repayment is RM 1,561/month over 35 years at 3.85% p.a. (or RM 1,688/month over 30 years). A single buyer earning RM 4,300+ gross or a joint couple earning RM 4,500 combined can qualify comfortably.
Stamp Duty Note: 100% Free MOT & Loan Stamp Duty for First-Time Home Buyers (saves RM 8,800). Standard buyers pay RM 7,000 MOT + RM 1,800 loan stamp duty.
| Loan Tenure | 90% Loan (RM 360,000) @ 3.85% | 70% Loan / 3rd House (RM 280,000) @ 3.85% | Recommended Gross Salary (90% Loan) |
|---|---|---|---|
| 25 Years Tenure | RM 1,871/mo | RM 1,455/mo | ~RM 4,500/mo |
| 30 Years Tenure | RM 1,688/mo | RM 1,313/mo | ~RM 4,000/mo |
| 35 Years Tenure | RM 1,562/mo | RM 1,215/mo | ~RM 3,700/mo |
1. Home Loan Installment Calculator
SPA property price, margin of finance, interest rate, tenure & developer rebate
Offsets downpayment; excess rebate becomes cashback
2. Check Your DSR – Monthly Income
Gross salary, automatic EPF/SOCSO/PCB net pay, variable commissions & rental
3. Existing Monthly Commitments (CCRIS)
Existing housing loans, hire purchase car loans, PTPTN, personal loans & credit cards
Great news! Your total monthly commitments take up 41.9% of your net income, well within the 70% limit used by most Malaysian banks.
Strong margin below 65% DSR cap with RM 2,169/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,159/mo net disposable buffer.
Strong margin below 65% DSR cap with RM 2,180/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 2,154/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,163/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,148/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,169/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,154/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 2,148/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,163/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,154/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,169/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 2,141/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 2,169/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 2,167/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 2,163/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 2,163/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,159/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,148/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,148/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 2,176/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 2,169/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 2,137/mo net disposable buffer.