Estimated monthly instalment (90% loan at 3.8%)
The instalment is the standard repayment on 90% of the price at 3.8% a year. The remaining 10% is the down payment you pay yourself, and legal fees and taxes are extra.
The listing pages on this site show the same estimate for each property for sale (25-year, 80% loan for commercial properties).
| Property price | 25 years | 30 years | 35 years |
|---|---|---|---|
| RM 300,000 | RM 1,396 | RM 1,258 | RM 1,163 |
| RM 400,000 | RM 1,861 | RM 1,677 | RM 1,551 |
| RM 500,000 | RM 2,326 | RM 2,097 | RM 1,939 |
| RM 600,000 | RM 2,791 | RM 2,516 | RM 2,327 |
| RM 800,000 | RM 3,721 | RM 3,355 | RM 3,102 |
| RM 1,000,000 | RM 4,652 | RM 4,194 | RM 3,878 |
| RM 1,500,000 | RM 6,978 | RM 6,290 | RM 5,817 |
| RM 2,000,000 | RM 9,303 | RM 8,387 | RM 7,755 |
What changes the number
- The interest rate, which differs by bank and loan type and can change.
- The loan margin: how much of the price the bank will finance.
- The loan period: a longer period lowers the monthly amount but raises the total interest.
- Your income and commitments, which decide how much a bank will lend.
Frequently asked questions
What is the monthly instalment for a RM500,000 property?
About RM 1,939 a month with a 90% loan at 3.8% over 35 years. Your bank's offer may differ.
Is this a bank quotation?
No. It is an illustration using fixed assumptions. Ask a bank for its offer based on your own situation.
Sources and method
Figures come from the property listings published on benfooproperty.com on 7 November 2026, refreshed daily. They are asking prices and asking rents set by owners, not sale prices, and medians are used so a few very high or low prices do not distort the result. Loan examples use the stated assumptions and are not a bank offer. Written and reviewed by Ben Foo, registered estate negotiator (REN 33376), PropNex Realty Sdn. Bhd.; text last reviewed 19 October 2026.