{"id":5892,"date":"2026-07-29T17:30:24","date_gmt":"2026-07-29T09:30:24","guid":{"rendered":"https:\/\/mvm.mortgage\/?page_id=5892"},"modified":"2026-10-07T13:36:23","modified_gmt":"2026-10-07T05:36:23","slug":"mortgage-calculator","status":"publish","type":"page","link":"https:\/\/mvm.mortgage\/zh\/mortgage-calculator\/","title":{"rendered":"Mortgage Calculator"},"content":{"rendered":"<p><!-- Prepared enhancement for the WordPress Mortgage Calculator page.\n     Adds co-borrower income, adjustable assumptions, DSR indicators,\n     property-price range and indicative upfront-cost breakdown. --><\/p>\n<style>\n#mvm-mortgage-calculator{--navy:#102a43;--blue:#1f5fae;--light:#f4f8fc;--green:#20a464;--gold:#f6b73c;--line:#dce6f0;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 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.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;margin-top:20px;transition:.2s}\n#mvm-mortgage-calculator .mvm-cta:hover{background:#168552;transform:translateY(-1px)}\n#mvm-mortgage-calculator .mvm-note{margin:20px 0 0;font-size:12px;line-height:1.55;color:#6b7f93;background:var(--light);border-radius:9px;padding:14px}\n#mvm-mortgage-calculator .mvm-divider{border:0;border-top:1px solid var(--line);margin:38px 0}\n#mvm-mortgage-calculator .mvm-bar{height:11px;background:#e5edf5;border-radius:20px;overflow:hidden;margin:18px 0 8px;display:flex}\n#mvm-mortgage-calculator .mvm-bar-principal{background:var(--blue)}#mvm-mortgage-calculator .mvm-bar-interest{background:var(--gold)}\n#mvm-mortgage-calculator .mvm-legend{display:flex;justify-content:space-between;font-size:12px;color:#627d98;margin-bottom:22px}\n@media(max-width:760px){#mvm-mortgage-calculator{margin:20px 12px 40px}#mvm-mortgage-calculator h1{font-size:28px}#mvm-mortgage-calculator .mvm-grid,#mvm-mortgage-calculator .mvm-fields-2{grid-template-columns:1fr}#mvm-mortgage-calculator .mvm-card{padding:20px}#mvm-mortgage-calculator .mvm-monthly{font-size:32px}#mvm-mortgage-calculator .mvm-range{font-size:26px}#mvm-mortgage-calculator .mvm-assumptions{grid-template-columns:1fr}}\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 borrowing capacity and home-loan repayment in seconds.<\/p>\n<\/div>\n<section class=\"mvm-section\" aria-labelledby=\"mvm-capacity-title\">\n<div class=\"mvm-section-title\">\n<h2 id=\"mvm-capacity-title\">Borrowing Capacity Estimate<\/h2>\n<p>Enter your income, commitments and preferred loan assumptions for an indicative financing range.<\/p>\n<\/div>\n<div class=\"mvm-grid\">\n<div class=\"mvm-card\">\n<h2>Your financial details<\/h2>\n<div class=\"mvm-field\"><label for=\"mvm-income\">Monthly net income<\/label><\/p>\n<div class=\"mvm-input-wrap\"><span class=\"mvm-prefix\">RM<\/span><input id=\"mvm-income\" class=\"mvm-money\" min=\"0\" step=\"100\" type=\"number\" value=\"5000\"><\/div>\n<p><small class=\"mvm-helper\">Income after statutory deductions.<\/small><\/div>\n<div class=\"mvm-field\"><label for=\"mvm-coincome\">Co-borrower net income <span style=\"font-weight:400;color:#829ab1\">(optional)<\/span><\/label><\/p>\n<div class=\"mvm-input-wrap\"><span class=\"mvm-prefix\">RM<\/span><input id=\"mvm-coincome\" class=\"mvm-money\" min=\"0\" step=\"100\" type=\"number\" value=\"0\"><\/div>\n<\/div>\n<div class=\"mvm-field\"><label for=\"mvm-commitments\">Existing monthly commitments<\/label><\/p>\n<div class=\"mvm-input-wrap\"><span class=\"mvm-prefix\">RM<\/span><input id=\"mvm-commitments\" class=\"mvm-money\" min=\"0\" step=\"100\" type=\"number\" value=\"200\"><\/div>\n<p><small class=\"mvm-helper\">Include car, personal, education, credit-card and other loan commitments.<\/small><\/div>\n<div class=\"mvm-fields-2\">\n<div class=\"mvm-field\"><label for=\"mvm-cap-rate\">Illustrative rate<\/label><\/p>\n<div class=\"mvm-input-wrap\"><input id=\"mvm-cap-rate\" min=\"0\" max=\"20\" step=\"0.01\" type=\"number\" value=\"4.50\"><span class=\"mvm-suffix\">% p.a.<\/span><\/div>\n<\/div>\n<div class=\"mvm-field\"><label for=\"mvm-cap-years\">Loan tenure<\/label><\/p>\n<div class=\"mvm-input-wrap\"><input id=\"mvm-cap-years\" min=\"1\" max=\"35\" step=\"1\" type=\"number\" value=\"35\"><span class=\"mvm-suffix\">years<\/span><\/div>\n<\/div><\/div>\n<div class=\"mvm-field\"><label for=\"mvm-financing\">Financing margin<\/label><\/p>\n<div class=\"mvm-input-wrap\"><input id=\"mvm-financing\" min=\"50\" max=\"100\" step=\"1\" type=\"number\" value=\"90\"><span class=\"mvm-suffix\">%<\/span><\/div>\n<p><small class=\"mvm-helper\">Common illustration: 90% financing and 10% down payment.<\/small><\/div>\n<div class=\"mvm-assumptions\" aria-label=\"Calculator assumptions\">\n<div class=\"mvm-assumption\"><span>DSR range<\/span><strong>50%\u201370%<\/strong><\/div>\n<div class=\"mvm-assumption\"><span>Rate<\/span><strong id=\"mvm-assume-rate\">4.50% p.a.<\/strong><\/div>\n<div class=\"mvm-assumption\"><span>Tenure<\/span><strong id=\"mvm-assume-years\">35 years<\/strong><\/div>\n<\/div><\/div>\n<div class=\"mvm-card\" aria-live=\"polite\">\n<h2>Your estimated borrowing range<\/h2>\n<div class=\"mvm-result-main\">\n<div class=\"mvm-result-label\">Indicative home-loan amount<\/div>\n<div id=\"mvm-borrow-range\" class=\"mvm-range\">RM 0 \u2013 RM 0<\/div>\n<div class=\"mvm-result-label\">Based on the assumptions shown<\/div>\n<\/div>\n<div class=\"mvm-result-row\"><span>Estimated property-price range<\/span><strong id=\"mvm-property-range\">RM 0 \u2013 RM 0<\/strong><\/div>\n<div class=\"mvm-result-row\"><span>Estimated instalment capacity<\/span><strong id=\"mvm-instalment-range\">RM 0 \u2013 RM 0<\/strong><\/div>\n<div class=\"mvm-result-row\"><span>Current commitment ratio<\/span><strong id=\"mvm-current-dsr\">0%<\/strong><\/div>\n<div class=\"mvm-result-row\"><span>After-loan DSR (upper estimate)<\/span><strong id=\"mvm-after-dsr\">0%<\/strong><\/div>\n<div class=\"mvm-dsr-track\">\n<div id=\"mvm-dsr-fill\" class=\"mvm-dsr-fill\"><\/div>\n<\/div>\n<div class=\"mvm-dsr-scale\"><span>Good &lt;40%<\/span><span>Fair 40\u201350%<\/span><span>High &gt;50%<\/span><\/div>\n<div class=\"mvm-breakdown\">\n<h3>Income &amp; commitments<\/h3>\n<div class=\"mvm-result-row\"><span>Total net income<\/span><strong id=\"mvm-total-income\">RM 0<\/strong><\/div>\n<div class=\"mvm-result-row\"><span>Existing commitments<\/span><strong id=\"mvm-existing-display\">RM 0<\/strong><\/div>\n<div class=\"mvm-result-row\"><span>70% DSR allowance<\/span><strong id=\"mvm-dsr-allowance\">RM 0<\/strong><\/div>\n<\/div>\n<div class=\"mvm-breakdown\">\n<h3>Estimated upfront cash (upper estimate)<\/h3>\n<div class=\"mvm-result-row\"><span>Down payment<\/span><strong id=\"mvm-upfront-down\">RM 0<\/strong><\/div>\n<div class=\"mvm-result-row\"><span>Stamp duty estimate<\/span><strong id=\"mvm-stamp\">RM 0<\/strong><\/div>\n<div class=\"mvm-result-row\"><span>Legal fee estimate<\/span><strong id=\"mvm-legal\">RM 0<\/strong><\/div>\n<div class=\"mvm-result-row\"><span>Total upfront estimate<\/span><strong id=\"mvm-upfront-total\">RM 0<\/strong><\/div>\n<\/div>\n<p>    <a id=\"mvm-capacity-whatsapp\" class=\"mvm-cta\" href=\"https:\/\/wa.me\/601131718722\" target=\"_blank\" rel=\"noopener\">Request a detailed eligibility assessment<\/a><\/p>\n<p class=\"mvm-note\"><strong>Important:<\/strong> This is an indicative estimate only. Banks apply different DSR limits, income rules, age limits, interest rates, financing margins and credit assessments. It is not a loan offer or approval.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<hr class=\"mvm-divider\">\n<section class=\"mvm-section\" aria-labelledby=\"mvm-repayment-title\">\n<div class=\"mvm-section-title\">\n<h2 id=\"mvm-repayment-title\">Home Loan Repayment Estimate<\/h2>\n<p>Explore the monthly instalment and total financing cost for a property.<\/p>\n<\/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 id=\"mvm-price\" class=\"mvm-money\" min=\"0\" step=\"1000\" type=\"number\" value=\"500000\"><\/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\" max=\"100\" min=\"0\" step=\"1\" type=\"number\" value=\"10\"><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\" max=\"20\" min=\"0\" step=\"0.01\" type=\"number\" value=\"4.50\"><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\" max=\"35\" min=\"1\" step=\"1\" type=\"number\" value=\"35\"><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 id=\"mvm-monthly\" class=\"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\"><span id=\"mvm-bar-principal\" class=\"mvm-bar-principal\"><\/span><span id=\"mvm-bar-interest\" class=\"mvm-bar-interest\"><\/span><\/div>\n<div class=\"mvm-legend\"><span>Blue: principal<\/span><span>Gold: interest<\/span><\/div>\n<p><a id=\"mvm-whatsapp\" class=\"mvm-cta\" href=\"https:\/\/wa.me\/601131718722\" target=\"_blank\" rel=\"noopener\">Check my loan eligibility on WhatsApp<\/a><\/div>\n<\/p><\/div>\n<\/section>\n<p class=\"mvm-note\"><strong>Important:<\/strong> These calculators provide estimates for informational purposes only and do 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(){var root=document.getElementById('mvm-mortgage-calculator');if(!root)return;\nvar money=function(v){return new Intl.NumberFormat('en-MY',{style:'currency',currency:'MYR',maximumFractionDigits:0}).format(isFinite(v)?v:0).replace('MYR','RM');};\nvar rounded=function(v){return Math.max(0,Math.floor(v\/1000)*1000);};\nvar loanFromPayment=function(payment,annualRate,years){var n=years*12,r=annualRate\/1200;if(payment<=0)return 0;return r===0?payment*n:payment*(Math.pow(1+r,n)-1)\/(r*Math.pow(1+r,n));};\nvar stampDuty=function(price){var left=price,total=0,take=Math.min(left,100000);total+=take*.01;left-=take;if(left>0){take=Math.min(left,400000);total+=take*.02;left-=take}if(left>0){take=Math.min(left,500000);total+=take*.03;left-=take}if(left>0)total+=left*.04;return total;};\nvar income=root.querySelector('#mvm-income'),coincome=root.querySelector('#mvm-coincome'),commitments=root.querySelector('#mvm-commitments'),capRate=root.querySelector('#mvm-cap-rate'),capYears=root.querySelector('#mvm-cap-years'),financing=root.querySelector('#mvm-financing');\nfunction calculateCapacity(){var inc=Math.max(0,parseFloat(income.value)||0),co=Math.max(0,parseFloat(coincome.value)||0),totalIncome=inc+co,com=Math.max(0,parseFloat(commitments.value)||0),annual=Math.max(0,parseFloat(capRate.value)||0),yrs=Math.min(35,Math.max(1,parseFloat(capYears.value)||1)),margin=Math.min(100,Math.max(50,parseFloat(financing.value)||90))\/100;var lowPayment=Math.max(0,totalIncome*.50-com),highPayment=Math.max(0,totalIncome*.70-com),lowLoan=rounded(loanFromPayment(lowPayment,annual,yrs)),highLoan=rounded(loanFromPayment(highPayment,annual,yrs)),lowProperty=margin?rounded(lowLoan\/margin):0,highProperty=margin?rounded(highLoan\/margin):0,current=totalIncome?com\/totalIncome*100:0,after=totalIncome?(com+highPayment)\/totalIncome*100:0,downCash=highProperty-highLoan,stamp=stampDuty(highProperty),legal=highProperty*.01,upfront=downCash+stamp+legal;\nroot.querySelector('#mvm-borrow-range').textContent=money(lowLoan)+' \u2013 '+money(highLoan);root.querySelector('#mvm-property-range').textContent=money(lowProperty)+' \u2013 '+money(highProperty);root.querySelector('#mvm-instalment-range').textContent=money(lowPayment)+' \u2013 '+money(highPayment);root.querySelector('#mvm-current-dsr').textContent=current.toFixed(1)+'%';root.querySelector('#mvm-after-dsr').textContent=after.toFixed(1)+'%';root.querySelector('#mvm-total-income').textContent=money(totalIncome);root.querySelector('#mvm-existing-display').textContent=money(com);root.querySelector('#mvm-dsr-allowance').textContent=money(totalIncome*.70);root.querySelector('#mvm-upfront-down').textContent=money(downCash);root.querySelector('#mvm-stamp').textContent=money(stamp);root.querySelector('#mvm-legal').textContent=money(legal);root.querySelector('#mvm-upfront-total').textContent=money(upfront);root.querySelector('#mvm-assume-rate').textContent=annual.toFixed(2)+'% p.a.';root.querySelector('#mvm-assume-years').textContent=yrs+' years';var fill=root.querySelector('#mvm-dsr-fill');fill.style.width=Math.min(100,after)+'%';fill.style.background=after<40?'#20a464':after<=50?'#f6b73c':'#d9534f';var msg='Hi MVM, I used your borrowing capacity calculator. Total net income: '+money(totalIncome)+', monthly commitments: '+money(com)+', estimated borrowing range: '+money(lowLoan)+' to '+money(highLoan)+'. Can you help with a detailed eligibility assessment?';root.querySelector('#mvm-capacity-whatsapp').href='https:\/\/wa.me\/601131718722?text='+encodeURIComponent(msg);}\nvar price=root.querySelector('#mvm-price'),down=root.querySelector('#mvm-down'),rate=root.querySelector('#mvm-rate'),years=root.querySelector('#mvm-years');\nfunction calculateRepayment(){var p=Math.max(0,parseFloat(price.value)||0),d=Math.min(100,Math.max(0,parseFloat(down.value)||0)),annual=Math.max(0,parseFloat(rate.value)||0),y=Math.min(35,Math.max(1,parseFloat(years.value)||1)),downAmount=p*d\/100,loan=p-downAmount,n=Math.round(y*12),r=annual\/1200,monthly=r===0?loan\/n:loan*r*Math.pow(1+r,n)\/(Math.pow(1+r,n)-1),total=monthly*n,interest=Math.max(0,total-loan);root.querySelector('#mvm-monthly').textContent=money(monthly);root.querySelector('#mvm-down-amount').textContent=money(downAmount);root.querySelector('#mvm-loan').textContent=money(loan);root.querySelector('#mvm-interest').textContent=money(interest);root.querySelector('#mvm-total').textContent=money(total);var principalPct=total?loan\/total*100:100;root.querySelector('#mvm-bar-principal').style.width=principalPct+'%';root.querySelector('#mvm-bar-interest').style.width=(100-principalPct)+'%';var msg='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?';root.querySelector('#mvm-whatsapp').href='https:\/\/wa.me\/601131718722?text='+encodeURIComponent(msg);}\n[income,coincome,commitments,capRate,capYears,financing].forEach(function(el){el.addEventListener('input',calculateCapacity);el.addEventListener('change',calculateCapacity)});[price,down,rate,years].forEach(function(el){el.addEventListener('input',calculateRepayment);el.addEventListener('change',calculateRepayment)});calculateCapacity();calculateRepayment();})();\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Malaysia Mortgage Calculator Estimate your borrowing capacity and home-loan repayment in seconds. Borrowing Capacity Estimate Enter your income, commitments and preferred loan assumptions [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-5892","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Malaysia Mortgage Calculator Estimate your borrowing capacity and home-loan repayment in seconds. Borrowing Capacity Estimate Enter your income, commitments and preferred loan assumptions for an indicative financing range. Your financial details Monthly net income RM Income after statutory deductions. 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