Home Loan Calculator

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Calculate your Malaysian home loan instalment, total interest paid, and loan-to-value ratio with a full amortization schedule.

What it computes

Given:

• Property price (RM)
• • Down payment (RM or % — auto-computes the inverse)
  • • Annual interest rate (% per year, fixed or assumed-fixed)

    • • Loan tenure (years)

      • …MYkira computes:
      • • Monthly instalment
        • • Loan amount (price − down payment)
          • • Loan-to-value ratio (loan / price)
            • • Total interest paid over the tenure

              • • Year-by-year amortization showing principal vs interest split

                • Why loan-to-value matters in Malaysia

                • Bank Negara’s responsible lending guidelines and most Malaysian banks (Maybank, CIMB, Public Bank, RHB) cap home loans at 90% LTV for first-time buyers and tighter for second/third properties. MYkira computes LTV automatically so you see at a glance whether your down payment puts you in eligible territory or whether you need to negotiate a higher down payment.

                • Example

                • Scenario: RM 500,000 property, RM 50,000 down payment (10%), 4.0% annual interest, 30-year tenure.

                • MYkira output:
                • • Loan amount: RM 450,000
                  • • LTV: 90%
                    • • Monthly instalment: ~RM 2,148

                      • • Total interest over 30 years: ~RM 323,400

                        • Free vs Premium

                        • Home Loan calculator is a Premium feature. Unlock with a Monthly (RM 7.90), Yearly (RM 79.90), or Lifetime (RM 399.90) subscription.

                        • Privacy

                        • All loan inputs and computed amortization schedules stay on your device.

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