Home/Monthly Payment

What Property Can You Afford in Malaysia? — By Monthly Instalment

Browse new launches matched to your monthly budget. Based on 4.2% p.a., 35-year loan, 10% downpayment.

My monthly budget:

Choose Your Monthly Budget

RM1,500/month

Properties up to RM366,421

Min salary needed: RM2,500/month

89 projects availableExplore →

RM2,000/month

Properties up to RM488,561

Min salary needed: RM3,333/month

184 projects availableExplore →

How It Works

Choose your monthly budget

Select the instalment amount you're comfortable paying each month, from RM1,500 to RM5,000.

We calculate your max property price

Based on 4.2% interest, 35-year loan, and 90% financing, we reverse-calculate the highest property price you can afford.

Browse matched new launches

See all new property launches from developers that fit within your budget. Register interest directly.

Calculation Assumptions

Calculations based on: 4.2% p.a. interest rate | 35-year loan tenure | 90% LTV (10% downpayment) | No existing debt commitments. Actual eligibility depends on DSR, credit score and bank policy. Use as a guide only.

Frequently Asked Questions

How much property can I afford with RM2,000 monthly?▼

With a monthly instalment of RM2,000, based on 4.2% interest rate and 35-year loan tenure, you can afford a property up to approximately RM488,561. This assumes 90% loan-to-value ratio and no existing debt commitments.

What is the minimum salary to buy a house in Malaysia?▼

It depends on the property price. For a RM300,000 home, you need a minimum salary of around RM2,500/month. Banks typically allow up to 60% debt service ratio (DSR), meaning your total loan repayments should not exceed 60% of your gross income.

What interest rate is used in this calculator?▼

We use 4.2% per annum, which is based on the average Malaysian home loan rate in 2026. Actual rates vary between 3.8%–4.5% depending on your bank and credit profile. The BNM overnight policy rate influences base lending rates.

Can I get a 35-year home loan in Malaysia?▼

Yes. Most Malaysian banks offer loan tenures up to 35 years, provided the borrower is below 30 years old at the time of application (loan must be fully repaid by age 65). Older borrowers may get shorter tenures.

How do I calculate my maximum home loan in Malaysia?▼

Use the reverse PMT formula: Maximum Loan = Monthly Payment × (1 - (1+r)^-n) / r, where r is the monthly interest rate and n is the number of months. Then divide by 0.9 to get the maximum property price (assuming 10% downpayment).

Ansuran Bulanan Hartanah Malaysia — Pilih Mengikut Budget

Cari projek hartanah baru yang sepadan dengan bajet bulanan anda. NewProjek mengira harga maksimum hartanah berdasarkan ansuran RM1,500 hingga RM5,000 sebulan. Pengiraan menggunakan kadar faedah 4.2% setahun dan tempoh pinjaman 35 tahun. Layari senarai projek untuk setiap kategori bajet dan daftar minat terus dengan pemaju.