{"id":5892,"date":"2026-07-29T17:30:24","date_gmt":"2026-07-29T09:30:24","guid":{"rendered":"https:\/\/mvm.mortgage\/?page_id=5892"},"modified":"2026-07-29T17:30:24","modified_gmt":"2026-07-29T09:30:24","slug":"mortgage-calculator","status":"publish","type":"page","link":"https:\/\/mvm.mortgage\/zh\/mortgage-calculator\/","title":{"rendered":"Mortgage Calculator"},"content":{"rendered":"<style>\n#mvm-mortgage-calculator{--navy:#102a43;--blue:#1f5fae;--light:#f4f8fc;--green:#20a464;max-width:1080px;margin:30px auto 60px;font-family:Arial,sans-serif;color:#243b53}\n#mvm-mortgage-calculator *{box-sizing:border-box}\n#mvm-mortgage-calculator .mvm-intro{text-align:center;max-width:760px;margin:0 auto 28px}\n#mvm-mortgage-calculator h1{color:var(--navy);font-size:36px;line-height:1.2;margin:0 0 12px}\n#mvm-mortgage-calculator .mvm-lead{font-size:17px;color:#52677c;margin:0}\n#mvm-mortgage-calculator .mvm-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}\n#mvm-mortgage-calculator 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.mvm-bar-interest{background:#f6b73c}\n#mvm-mortgage-calculator .mvm-legend{display:flex;justify-content:space-between;font-size:12px;color:#627d98;margin-bottom:22px}\n#mvm-mortgage-calculator .mvm-cta{display:block;text-align:center;background:var(--green);color:#fff!important;text-decoration:none!important;border-radius:9px;padding:14px 18px;font-weight:800;transition:.2s}\n#mvm-mortgage-calculator .mvm-cta:hover{background:#168552;transform:translateY(-1px)}\n#mvm-mortgage-calculator .mvm-note{margin:22px 0 0;font-size:12px;line-height:1.55;color:#6b7f93;background:var(--light);border-radius:9px;padding:14px}\n@media(max-width:760px){#mvm-mortgage-calculator{margin:20px 12px 40px}#mvm-mortgage-calculator h1{font-size:28px}#mvm-mortgage-calculator .mvm-grid{grid-template-columns:1fr}#mvm-mortgage-calculator .mvm-card{padding:20px}#mvm-mortgage-calculator .mvm-monthly{font-size:32px}}\n<\/style>\n<section id=\"mvm-mortgage-calculator\" aria-labelledby=\"mvm-calculator-title\">\n<div class=\"mvm-intro\">\n<h1 id=\"mvm-calculator-title\">Malaysia Mortgage Calculator<\/h1>\n<p class=\"mvm-lead\">Estimate your home loan amount, monthly instalment and total interest in seconds.<\/p>\n<\/p><\/div>\n<div class=\"mvm-grid\">\n<div class=\"mvm-card\">\n<h2>Your loan details<\/h2>\n<div class=\"mvm-field\"><label for=\"mvm-price\">Property price<\/label><\/p>\n<div class=\"mvm-input-wrap\"><span class=\"mvm-prefix\">RM<\/span><input class=\"mvm-money\" id=\"mvm-price\" type=\"number\" min=\"0\" step=\"1000\" value=\"500000\" inputmode=\"decimal\"><\/div>\n<\/div>\n<div class=\"mvm-field\"><label for=\"mvm-down\">Down payment<\/label><\/p>\n<div class=\"mvm-input-wrap\"><input id=\"mvm-down\" type=\"number\" min=\"0\" max=\"100\" step=\"1\" value=\"10\" inputmode=\"decimal\"><span class=\"mvm-suffix\">%<\/span><\/div>\n<\/div>\n<div class=\"mvm-field\"><label for=\"mvm-rate\">Estimated interest rate<\/label><\/p>\n<div class=\"mvm-input-wrap\"><input id=\"mvm-rate\" type=\"number\" min=\"0\" max=\"20\" step=\"0.01\" value=\"4.50\" inputmode=\"decimal\"><span class=\"mvm-suffix\">% p.a.<\/span><\/div>\n<\/div>\n<div class=\"mvm-field\"><label for=\"mvm-years\">Loan tenure<\/label><\/p>\n<div class=\"mvm-input-wrap\"><input id=\"mvm-years\" type=\"number\" min=\"1\" max=\"35\" step=\"1\" value=\"35\" inputmode=\"numeric\"><span class=\"mvm-suffix\">years<\/span><\/div>\n<\/div><\/div>\n<div class=\"mvm-card\" aria-live=\"polite\">\n<h2>Your estimated repayment<\/h2>\n<div class=\"mvm-result-main\">\n<div class=\"mvm-result-label\">Estimated monthly instalment<\/div>\n<div class=\"mvm-monthly\" id=\"mvm-monthly\">RM 0<\/div>\n<div class=\"mvm-result-label\">Based on a reducing-balance home loan<\/div>\n<\/div>\n<div class=\"mvm-result-row\"><span>Down payment<\/span><strong id=\"mvm-down-amount\">RM 0<\/strong><\/div>\n<div class=\"mvm-result-row\"><span>Estimated loan amount<\/span><strong id=\"mvm-loan\">RM 0<\/strong><\/div>\n<div class=\"mvm-result-row\"><span>Total interest<\/span><strong id=\"mvm-interest\">RM 0<\/strong><\/div>\n<div class=\"mvm-result-row\"><span>Total repayment<\/span><strong id=\"mvm-total\">RM 0<\/strong><\/div>\n<div class=\"mvm-bar\" aria-hidden=\"true\"><span class=\"mvm-bar-principal\" id=\"mvm-bar-principal\"><\/span><span class=\"mvm-bar-interest\" id=\"mvm-bar-interest\"><\/span><\/div>\n<div class=\"mvm-legend\"><span>Blue: principal<\/span><span>Gold: interest<\/span><\/div>\n<p>      <a class=\"mvm-cta\" id=\"mvm-whatsapp\" href=\"https:\/\/wa.me\/601131718722\" target=\"_blank\" rel=\"noopener\">Check my loan eligibility on WhatsApp<\/a>\n    <\/div>\n<\/p><\/div>\n<p class=\"mvm-note\"><strong>Important:<\/strong> This calculator provides estimates for informational purposes only and does not constitute a loan offer or approval. Actual rates, instalments and eligibility depend on the bank&#8217;s assessment, prevailing terms and your financial profile.<\/p>\n<\/section>\n<p><script>\n(function(){\n  var root=document.getElementById('mvm-mortgage-calculator');\n  if(!root)return;\n  var price=root.querySelector('#mvm-price'),down=root.querySelector('#mvm-down'),rate=root.querySelector('#mvm-rate'),years=root.querySelector('#mvm-years');\n  var money=function(v){return new Intl.NumberFormat('en-MY',{style:'currency',currency:'MYR',maximumFractionDigits:0}).format(isFinite(v)?v:0).replace('MYR','RM');};\n  function calculate(){\n    var p=Math.max(0,parseFloat(price.value)||0);\n    var d=Math.min(100,Math.max(0,parseFloat(down.value)||0));\n    var annual=Math.max(0,parseFloat(rate.value)||0);\n    var y=Math.min(35,Math.max(1,parseFloat(years.value)||1));\n    var downAmount=p*d\/100,loan=p-downAmount,n=Math.round(y*12),r=annual\/1200;\n    var monthly=r===0?loan\/n:loan*r*Math.pow(1+r,n)\/(Math.pow(1+r,n)-1);\n    var total=monthly*n,interest=Math.max(0,total-loan);\n    root.querySelector('#mvm-monthly').textContent=money(monthly);\n    root.querySelector('#mvm-down-amount').textContent=money(downAmount);\n    root.querySelector('#mvm-loan').textContent=money(loan);\n    root.querySelector('#mvm-interest').textContent=money(interest);\n    root.querySelector('#mvm-total').textContent=money(total);\n    var principalPct=total?loan\/total*100:100;\n    root.querySelector('#mvm-bar-principal').style.width=principalPct+'%';\n    root.querySelector('#mvm-bar-interest').style.width=(100-principalPct)+'%';\n    var message='Hi MVM, I used your mortgage calculator. Property price: '+money(p)+', down payment: '+d+'%, estimated loan: '+money(loan)+', tenure: '+y+' years, rate: '+annual+'%, estimated monthly instalment: '+money(monthly)+'. Can you help check my loan eligibility?';\n    root.querySelector('#mvm-whatsapp').href='https:\/\/wa.me\/601131718722?text='+encodeURIComponent(message);\n  }\n  [price,down,rate,years].forEach(function(el){el.addEventListener('input',calculate);el.addEventListener('change',calculate);});\n  calculate();\n})();\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Malaysia Mortgage Calculator Estimate your home loan amount, monthly instalment and total interest in seconds. 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