Free Tool
What's the Monthly Repayment for the Home You're Considering?
Enter the property price, down payment, and interest rate — this calculator shows your exact monthly instalment and total interest paid over the loan period, in seconds. Use it to compare LPPSA (fixed rate 4.0%) against a standard bank loan (current rate ~4.5–5.0%).
Median house price in Kedah: RM283,000
Minimum 10% for standard bank loans
Current BLR range: ~4.5%–5.0% (varies by bank)
Maximum 35 years or until age 70
How to Use This Calculator — Including the LPPSA vs Bank Comparison
- 1. Enter the property price you're considering. Example: RM320,000 for a double-storey terrace in Sungai Petani or Kulim.
- 2. Set your down payment. For a standard bank loan, the minimum is 10% (RM32,000). If you're a civil servant using LPPSA, set this to RM0 — LPPSA can finance up to 100% with no deposit required.
- 3. To compare LPPSA vs bank: run the calculator twice. First, enter 4.0% (LPPSA's fixed rate for 2026). Then enter the current bank rate (~4.5–5.0%). Compare the monthly repayment and total interest paid over the loan period.
- 4. Choose your loan tenure. 35 years gives the lowest monthly payment, but you'll pay significantly more interest overall. Try comparing 30 years vs 35 years to see the real difference.
Important Information for Property Buyers in Kedah
- • Civil servants (LPPSA): Fixed rate 4.0%, financing margin up to 100%, no mandatory deposit. Set down payment to RM0 and rate to 4.0% to see your LPPSA repayment estimate.
- • MyDeposit: Assistance of up to RM30,000 for first-time buyers with lower incomes. If eligible, your down payment amount reduces — adjust the deposit figure in the calculator to see the effect.
- • FBHS (Full Loan): Certain banks offer full-loan financing for selected projects in Kedah. Check with the developer whether your project of interest qualifies.
- • Rumah Makmur Kedah: Subsidy scheme for households earning RM3,500 and below. If eligible, the purchase price is lower — enter the post-subsidy price in the calculator.
Know your monthly repayment. Now wondering if you'll qualify?
The calculator gives an estimate based on standard formulas. Actual eligibility depends on your CCRIS profile and the bank's assessment. Upload your payslip and we'll review your real situation — and suggest Kedah projects that genuinely fit within that repayment figure.