Property & Renovation Loan Structuring

Plan your property purchase and renovation financing. Compare two strategies: separate loans (home + renovation) or combined structure. See monthly payments, approval odds, and total interest cost.

Important: This calculator assumes standard Malaysian mortgage terms (35 years max for home loan, higher rates for renovation loans). Actual approval depends on property valuation, your credit profile (CTOS/CCRIS), DSR, and bank policies. Renovation loans typically carry higher interest rates than home loans.

Property Details

Property Price (RM)

Down Payment (RM)

Typically 10-20% for Malaysian banks. Higher down payment = lower LTV = better approval odds.

You are putting 10.0% down.

Renovation Budget

Renovation Budget (RM)

How do you want to finance renovation?

Personal Loan (Higher rate, ~10% p.a., max 7-10 years)Renovation Loan (Special product, ~7-8% p.a., max 15 years)Top-up Home Loan (Same as home loan rate, ~3.5% p.a., up to LTV limit)

Credit Profile (Optional but Recommended)

Your CTOS Credit Score (or estimate)

Your Current Monthly Debt Commitments (RM)

Include car loans, personal loans, credit card minimums, etc. (excluding proposed property loan)

Your Monthly Gross Income (RM)

Loan Terms Preferences

Home Loan Tenure (Years)

years

Expected Home Loan Rate (% p.a.)

Current typical range: 3.2–3.8% depending on bank and credit profile.