Mortgage Calculator Malaysia – PCMY – Property Calculator Malaysia is an all-in-one toolkit that allows you to quickly analyze property financial calculations when you are researching a home or investment property.
The app gives you an edge over other investors. Do your due diligence, calculate and understand the numbers with just a few clicks. Find the best real estate deals, entry cost estimates, mortgage payments, cash flow, return on investment, income and more related to real estate investing at your fingertips.
Mortgage Calculator Malaysia
Every feature is simplified and thoroughly tested for real-life use. Undoubtedly, it can be an ideal app for first time home buyers, property investors, real estate agents/negotiators, real estate lawyers, loan officers, bankers mortgages in Malaysia.
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★ Popular real estate listing sites merged for comparison, helping users save phone space when downloading multiple apps
★ Notes and references are provided to help you better understand how the drawing was made – (click on each label on the opening page for details)
★ Export results to PDF and easily share them with anyone via email, SMS and other communication platforms available on the user’s phone
PCMY – Malaysia Property Calculator is currently free to use and download. If you find the app useful, we would appreciate it if you could rate us on the Google Play Store. Thank you.
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You should use a home loan calculator and stamp to help calculate all the basic costs involved in your property buying process. This way, you can estimate your budget more precisely before starting the purchase process.
With this calculator, you can get a better idea of how much money you need to have before buying a property. Simply fill in all the necessary information and you will receive information that will help you get a clearer picture of your budget before applying for a home loan. You can also compare different types of results through the calculator. By changing a few details, the calculator will give you a variety of sample results, giving you more options for your budget.
You can use the results generated by the home loan calculator and stamp to speed up decision-making when choosing a home loan. Information at your fingertips is valuable as it helps protect you from hidden costs and lengthy processes.
You can register by following these simple steps. Open all home loans and click on the one that interests you, or compare up to three at once to find the best home loan for you. Enter your personal information, press “Register now” and we will send a follow-up email directly to your inbox.
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If you’re still not sure, don’t worry! Go to the comprehensive Home Loan Eligibility Report and enter your personal details as accurately as possible. Within five minutes, you will receive a comprehensive report in your email containing recommended home loans you can apply for, along with an assessment of your loan eligibility.
Closing costs are fees associated with completing a real estate transaction. Closing costs average 2-5% of the purchase price of the property. Examples of these costs include:
No, the cost is not a fixed percentage. They vary depending on many things such as the purchase price of the property, the home loan, the interest rate your lender offers you, and more. Examples of these costs include:
Stamp duty is based on the purchase price of the property. The following are the stamp duty charges according to the property price:
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This means that for a property with a purchase price of RM300,000, the stamp duty will be RM5,000. Use this complete RPGT calculator to see how much tax you will be charged when you sell your property in Malaysia.
The RPGT calculator is a handy way to find out how much tax you will have to pay after you sell your property. This will help you better understand how much will be deducted from your profits. You get results in less time instead of having to do the research and calculations yourself.
Use this tool to find out how much tax you will have to pay after you sell your property. You can enter your personal information and if you want to change it, you can do so as long as you have the information you need.
You can use the results of the RPGT calculator if you are thinking about selling your property or if you are interested in the cost of selling a property. The results can tell you when is the best time to sell your property based on how much you can get for it. This way, you will know whether it might be cheaper to sell the property in a year. You can see how many years you have to wait for the lowest cost from the table in question 5.
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Firstly, the rate of RPGT depends on whether you are a citizen, non-citizen or for a company. The different ratios can be found in the table in question 5. Selling price – (purchase price + other costs) – (book value + other costs)
No, if you do not make a profit from the sale of your property, you do not have to pay RPGT.
You must pay your RPGT within 60 days of selling your property. If you do not pay RGBT within 60 days, you will be charged a late fee of 10% of the total RPGT payable. You must have heard or read about the 6-month loan ban imposed by the Malaysian government on March 26, 2020.
Little has been discussed about the impact on home loans. If the bank still asks for a late payment, the borrower has to pay more and the loan formalization takes longer.
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Some banks have not announced that interest will not be charged on late payments. However, other banks are yet to announce their decision.
Use the moratorium if you can invest and get a higher return than the loan interest.
A computer or laptop is recommended for downloading and editing. If you download it on your mobile phone, you probably won’t be able to edit it. This is because mobile apps are almost exclusively for VIEWING files. No editing is done.
Make sure your mobile Excel app is editable so you can change your loan numbers.
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You can unprotect an Excel file and edit cells. You can vary different interest rates and payments to calculate changes in the loan repayment period.
254) How to easily increase the number of trust shares? This is an interesting question that always interests Unit Trusts consultants and… Fixed rate is mainly used for personal and car loans. A fixed interest rate is always a fixed percentage. For example:
Imagine applying for a personal loan of RM100,000 with a fixed interest rate of 5% per annum. with a term of 10 years.
In this case, you will have to pay 5% annual interest on the RM100,000 loan. Even if you have paid RM90,000, 5% interest will be applied on the total loan you have taken which is RM100,000.
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In the end, you have to pay RM50,000 in interest for the entire 10-year period (RM100,000 * 5% * 10) = RM50,000
The effective interest rate is applied using the declining balance method. After each installment, you only pay interest on the remaining amount. This means that your interest payment will decrease each time you pay off part of your loan.
In short, a loan with a real interest rate has a lower total interest payment. For better understanding, let’s use the example below:
Imagine you applied for a personal loan of RM100,000 with an effective interest rate of 5% per annum. with a term of 10 years.
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This 5% interest is only charged on the remaining balance of your personal loan, meaning you pay less interest each time you make installments on your personal loan. At the end of the 10-year period, you only have to pay RM27,300 in interest, which is almost half of the total interest paid in our fixed rate percentage example above!
It’s a good idea to use the Loan and Effective Interest Calculator to get an idea of the actual interest payment you’ll pay your lender each month. For example, if you were comparing a fixed rate to a real rate and you didn’t know the difference between the two, you’d probably choose the fixed rate because it’s often advertised as a fixed rate. The percentage is (probably) lower.
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