Down payment: RM 60,000.00 · Loan: RM 540,000.00
SBR 2.75% + spread. Typical range: 4.22%–4.50%
Max 35 yrs standard · 40 yrs if aged ≤30 (from Apr 2025)
DSR Check (Optional)
After EPF, tax, and other deductions
Car loan, personal loan, credit card, etc.
Monthly Instalment
RM 2,656.48
Loan Amount
RM 540K
Total Interest
RM 416K
77% of loan
Total Repayment
RM 956K
Effective Rate
4.25% p.a.
Max Loan (by DSR)
RM 874K
At 60% DSR cap
Debt Service Ratio (DSR)