Free tool

Will the rent cover your instalment?

Enter your numbers and see it instantly — your monthly loan instalment, whether the rental covers it, your gross yield, and a 4-year rental forecast. Everything updates live as you type.

Your numbers

Property / SPA priceRM 500,000
RM
Downpayment10%
RM 50,000
Loan tenure35 yrs
Loan interest rate4.00% p.a.
Malaysian home-loan rates are typically around 3.8%–4.5% p.a.
Area
≈ RM 2.60 psf/month (indicative)
Built-up size800 sf
Square feet
Expected monthly rentalauto
RM
Auto-filled from the area rate × size. Edit it to the real asking rent for your building — check PropertyGuru / iProperty listings for that exact project.
Rental growth3.0%/yr
Capital growth3.0%/yr
Other monthly costs (optional)RM 0
RM
Maintenance / sinking fund, if you want a net-of-costs view.

The verdict

Rental covers instalment
+RM 90 / month
Your expected rent is enough to cover the monthly instalment.
Rental covers 104% of the instalment
Monthly instalment
RM 1,990
Expected rental
RM 2,080
Loan amount
RM 450,000
Gross rental yield
4.99%

4-year rental forecast

RentalInstalment
YearRent / moNet / moYieldEst. value

Rental grown at your rental-growth rate; instalment held flat; property value grown at your capital-growth rate. Assumptions only.

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Important: This calculator is for general estimation and education only — it is not financial, investment or loan advice. The instalment uses a fixed-rate amortisation assumption; your bank's actual rate, approval and terms may differ. Area rental rates are indicative market averages, not live listings — always verify the actual asking rent for your specific building on PropertyGuru or iProperty and enter it above. Growth rates are assumptions, not guarantees. Confirm all figures with your banker and a licensed professional before deciding. © 2026 GabProp.
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