Planning to buy a house in 2026? Before heading to the bank for loan approval, use Hartanah Bumiputera's two free calculators to fully understand the financial commitment you'll incur, not just monthly installments, but the actual total cost of home ownership.


1. Housing Installment Calculator (Basic)

For a quick estimate, enter the loan amount, interest rate/annual return, and loan term — this calculator computes monthly installments using the standard amortized loan formula, similar to what banks use. Suitable for a quick check of "can I afford this house" before moving into detailed discussions with the bank. Try it at Housing Installment Calculator.


2. Total Cost of Ownership & Loan Installment Calculator (TCO): More Comprehensive

Monthly installments are just one part of the actual cost of buying a house. Hartanah Bumiputera's TCO calculator includes:


  • Stamp duty for property transfer
  • Stamp duty for loan agreement
  • SPA and Loan Agreement legal fees
  • Property valuation fees
  • Deposit/down payment
  • Total ownership cost throughout the loan period (installment x number of months)


This provides a complete picture of "how much I actually need to prepare," not just a 10% deposit, but all the ancillary costs that often surprise first-time home buyers. Try it at Total Cost of Ownership & Loan Installment Calculator (TCO).


Supported Financing Types

Both calculators support conventional financing, Islamic Diminishing Musharakah and Islamic Fixed Profit (BBA), select the type related to your bank's offer for a more accurate estimate.


First-Time Buyer?

The TCO calculator also has a "first-time buyer" option, which automatically takes into account the exemption/discount on stamp duty that you may be eligible to receive under current government incentives.

The interest rate/profit rate in the calculator is a general market estimate, the actual rate offered by the bank depends on your credit profile, product type and current promotions. Always obtain an official Loan Offer (Letter of Offer) before making a final decision.