Know Your Numbers First, Then Make Any Decision
These two calculators answer the two most important questions before you view any property: how much you can actually afford to buy and how much your monthly instalment will be. Use them now: free, no sign-up, no data stored.
Home Affordability Calculator
Enter your salary and current financial commitments — car loan, PTPTN, credit cards — and this calculator will show the maximum home price you can afford based on Malaysian bank DSR standards. Know your ceiling before falling in love with a home that's over budget.
- Takes all current commitments into account
- Malaysian bank DSR standard
- Relevant assistance scheme suggestions
Home Loan Instalment Calculator
Already have a home in mind? Enter the home price, down payment, interest rate, and loan tenure — this calculator will show exactly how much you'll pay each month and the total interest you'll pay over 30 years.
- Adjustable interest rate: compare LPPSA 4% vs bank rate
- Total interest calculation over loan lifetime
- Full loan cost summary
Use Them in This Order for the Best Result
Many buyers make this mistake: they view properties first, then check their eligibility. If the loan is rejected, the deposit may already be at risk. Follow this order instead.
Check Affordability First
Enter your salary and all commitments. Know your realistic maximum home price.
Check Monthly Instalment
Use the price from step 1. Test LPPSA 4% vs the current bank rate to compare.
Then Look for a Home
With your real numbers in hand, you'll be more confident viewing properties and stronger when negotiating price.
Note: These calculators provide estimates based on standard formulas. Actual loan approval depends on your CCRIS credit profile, employment history, and the bank's assessment. If you want to check your actual eligibility, contact us — we'll help you read your situation for free.
Done calculating? Want to know what to do next?
Once you have your calculator figures, we can help you check your CCRIS, compare real financing options, and suggest properties in Kedah that genuinely fit your budget — not just the most expensive you can afford.