Everything you need to plan a Malaysia property purchase — monthly repayment, MOT stamp duty, max loan from your DSR, margin of finance, and annual assessment & quit rent.
Downpayment (25%)
RM 375,000
Monthly repayment
Total interest · 30 yrs: RM 879,229
Share of the down payment you'll withdraw from EPF Account 2 (the rest is cash).
Price, tenure, loan % and interest are set in the chart above.
After tax, EPF and SOCSO — banks assess DSR on net income.
What the property could rent for per year — drives the council assessment estimate.
Your maximum loan is limited by LTV. DSR has no statutory cap in Malaysia — banks typically approve 60-70% of net income; margin of finance is ~90% (70% on a 3rd+ housing loan).
Council assessment estimate (cukai taksiran + parcel rent) — rates vary by local council; check your council's bill for the actual figure.