Monthly Installment for a RM 500,000 House in Malaysia (2026 Breakdown)
RM 500,000 is the most searched property price point in Malaysia because it sits right at the ceiling of the government’s 100% First-Time Home Buyer Stamp Duty Exemption. A 90% loan (RM 450,000) over 35 years at 3.85% p.a. costs RM 1,951/month (or RM 2,110/month over 30 years). Qualifying comfortably requires a gross monthly salary of around RM 5,000 to RM 5,500.
Stamp Duty Note: Maximum sweet spot for First-Time Home Buyers: 100% Free MOT (RM 9,000) + Free Loan Stamp Duty (RM 2,250) = RM 11,250 saved!
| Loan Tenure | 90% Loan (RM 450,000) @ 3.85% | 70% Loan / 3rd House (RM 350,000) @ 3.85% | Recommended Gross Salary (90% Loan) |
|---|---|---|---|
| 25 Years Tenure | RM 2,338/mo | RM 1,819/mo | ~RM 5,600/mo |
| 30 Years Tenure | RM 2,110/mo | RM 1,641/mo | ~RM 5,000/mo |
| 35 Years Tenure | RM 1,952/mo | RM 1,518/mo | ~RM 4,600/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 42.9% of your net income, well within the 70% limit used by most Malaysian banks.
Strong margin below 65% DSR cap with RM 2,601/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,587/mo net disposable buffer.
Strong margin below 65% DSR cap with RM 2,614/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 2,582/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,593/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,574/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,601/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,582/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 2,574/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,593/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,582/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,601/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 2,566/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,601/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,598/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,593/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,593/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,587/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,574/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,574/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,609/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 2,601/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 2,561/mo net disposable buffer.