📅
Monthly Instalment
RM 891
📈
Effective Rate p.a.
Interest Rate p.a.
9.36%
💸
Total Interest
RM 24,800
🧾
Total Repayment
RM 74,800
1Adjust Your Loan
RM
%
years
Calculation Method:
Most Malaysian personal loans use flat rate.
Standard for mortgages — shows the equivalent for comparison.
2Your Result
| Loan Amount | RM 50,000.00 |
|---|---|
| Tenure | 7 years (84 months) |
| Flat Rate (your input) (equivalent) | 5.07% p.a. |
| Effective Rate (APR) (BNM disclosure) (your input) | 9.36% p.a. |
| Equivalent SBR + Spread (SBR ≈ 3.00%) | SBR + 6.36% |
| Total Interest (Cost of Borrowing) | RM 17,745.00 |
| Total Repayment | RM 67,745.00 |
| Monthly Instalment (constant) Monthly Instalment | RM 806.49 |
📅 Amortization Repayment Schedule
See month-by-month or year-by-year breakdown of principal, interest, and outstanding balance.
Monthly instalment in RM at 5.07% flatreducing. Your selection is highlighted.
| Loan Amount | 2 yr | 3 yr | 4 yr | 5 yr | 6 yr | 7 yr |
|---|
3Bank Offers
Apply direct to a BNM-licensed Malaysian conventional lender. Monthly instalment and total repayment are computed at your chosen loan amount and tenure using each lender's quoted flat rate.
No lenders match this loan amount or tenure.
Try adjusting the loan amount or tenure above.
Try adjusting the loan amount or tenure above.
