Monthly Installment for a RM 800,000 House in Malaysia (2026 Breakdown)
Financing a RM 800,000 property at 90% LTV (RM 720,000 loan) results in a monthly mortgage installment of RM 3,122/month over 35 years at 3.85% p.a. Borrowers generally need a net monthly income above RM 6,200 (gross ~RM 8,000+) to stay within a 70%–75% DSR cap after car and credit card commitments.
Stamp Duty Note: MOT Stamp Duty is RM 18,000 + RM 3,600 loan stamp duty + RM 18,000 combined SPA & Loan legal fees.
| Loan Tenure | 90% Loan (RM 720,000) @ 3.85% | 70% Loan / 3rd House (RM 560,000) @ 3.85% | Recommended Gross Salary (90% Loan) |
|---|---|---|---|
| 25 Years Tenure | RM 3,741/mo | RM 2,910/mo | ~RM 8,900/mo |
| 30 Years Tenure | RM 3,375/mo | RM 2,625/mo | ~RM 8,000/mo |
| 35 Years Tenure | RM 3,124/mo | RM 2,429/mo | ~RM 7,400/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 46.6% of your net income, well within the 70% limit used by most Malaysian banks.
Strong margin below 70% DSR cap with RM 3,585/mo net disposable buffer.
Strong margin below 80% DSR cap with RM 3,564/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 3,607/mo net disposable buffer.
Strong margin below 80% DSR cap with RM 3,555/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 3,573/mo net disposable buffer.
Strong margin below 80% DSR cap with RM 3,543/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 3,585/mo net disposable buffer.
Strong margin below 80% DSR cap with RM 3,555/mo net disposable buffer.
Strong margin below 80% DSR cap with RM 3,543/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 3,573/mo net disposable buffer.
Strong margin below 80% DSR cap with RM 3,555/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 3,585/mo net disposable buffer.
Strong margin below 80% DSR cap with RM 3,530/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 3,585/mo net disposable buffer.
Strong margin below 80% DSR cap with RM 3,581/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 3,573/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 3,573/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 3,564/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 3,543/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 3,543/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 3,598/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 3,585/mo net disposable buffer.
Strong margin below 80% DSR cap with RM 3,521/mo net disposable buffer.