Interactive property cashflow planner

Plan your sale and your next property purchase with one Malaysia-focused loan calculator.

Switch between selling and buying modes to estimate your current loan payoff, yearly principal versus interest paid, net sale proceeds, monthly repayment for your next property, and the cash you may need to prepare upfront.

Not saved yet

Loan details

Malaysia rate reference

Built-in default uses the average published effective housing-loan rates from selected major Malaysia banks, anchored to BNM's Standardised Base Rate (SBR).

Live refresh for a multi-bank average is not wired in this local file version because there is no single official feed for all banks' advertised home-loan rates.

Sale details

Assumptions

This calculator assumes a standard monthly amortizing loan with a fixed rate for the full term. If your bank changes rates, capitalizes fees, or uses a different payment schedule, treat this as an estimate and compare it with your latest redemption statement.

Malaysia fee reference used

Legal fees are estimated as a Malaysian sub-sale seller transaction using the Solicitors' Remuneration Order 2023 scale fee, one discharge of charge, optional CKHT 1A filing fee, and your editable disbursement estimate. Buyer stamp duty and RPGT tax are not included.

Snapshot

Monthly payment RM 0.00
Months paid by sale date 0
Outstanding loan RM 0.00
Total principal paid RM 0.00
Total interest paid RM 0.00

Sale proceeds breakdown

Sale priceRM 0.00
Agent feeRM 0.00
Malaysia legal and misc estimateRM 0.00
Early settlement penaltyRM 0.00
Outstanding loan payoffRM 0.00
Estimated net proceedsRM 0.00

Malaysia legal and misc breakdown

SRO 2023 solicitor feeRM 0.00
Solicitor discountRM 0.00
Discharge of charge feeRM 0.00
CKHT 1A filing feeRM 0.00
Extra disbursements estimateRM 0.00
Total legal and misc estimateRM 0.00

Yearly principal vs interest

Each row shows what you paid during that year of the loan.

Year Months Principal paid Interest paid Total paid Ending balance

Purchase details

Saved presets

Save up to 5 purchase setups on this device.

Preset 1 Empty slot
Preset 2 Empty slot
Preset 3 Empty slot
Preset 4 Empty slot
Preset 5 Empty slot

Malaysia rate reference

Built-in default uses the same Malaysia market-average housing-loan reference as the sale calculator.

This rate is for planning. Your actual offered spread may differ based on bank, package, and credit profile.

Malaysia upfront cost reference

This planner assumes a Malaysia sub-sale purchase and estimates upfront cash using the SPA legal fee scale, loan legal fee scale, memorandum of transfer stamp duty, loan stamp duty, fixed stamping, and your editable disbursement estimate.

First-time buyer exemptions, developer absorptions, valuation fees, MRTA or MLTA, and bank processing charges are not included by default.

Purchase snapshot

Estimated loan amount RM 0.00
Total interest over full term RM 0.00
Total repayment over full term RM 0.00
Legal and misc to prepare RM 0.00

Upfront cash breakdown

Property priceRM 0.00
DownpaymentRM 0.00
SPA legal feeRM 0.00
Loan legal feeRM 0.00
Memorandum of transfer stamp dutyRM 0.00
Loan agreement stamp dutyRM 0.00
Fixed document stampingRM 0.00
Extra disbursements estimateRM 0.00
Total upfront cash neededRM 0.00

Loan setup details

Rate used0.00%
Loan tenure0 years
Monthly instalmentRM 0.00
Total repaymentRM 0.00
Total interest over termRM 0.00