Base case
Use the price, financing and recurring costs you can support with current written evidence.
Investor tools
Know which assumptions move the outcome.
Estimate financing, rental yield and starting cash. Every result is illustrative—not a promise, quotation or financial recommendation.
Mortgage estimate
Estimated monthly paymentRM 3,521
Rental yield
Gross yield4.50%
Indicative net yield3.75%
Starting cash
Indicative starting cashRM 120,000
Illustration only. Financing, duties, legal fees, valuation fees, insurance, developer packages, tax treatment and loan eligibility vary. Obtain current advice from the relevant bank, lawyer, tax adviser and project documents.
How to use the results
Run three versions, not one.
The calculator is most useful when it shows how sensitive the decision is to rent, cost, rate and vacancy assumptions.
Downside case
Lower the rent, add vacancy and increase the interest or cost allowance. Check whether the holding plan still works.
Decision case
Compare the project against another property and against doing nothing for the same time horizon.
Assumptions to collect
Replace estimates with current documents.
01
Written purchase price and package
02
Loan rate, margin and eligibility from the bank
03
Legal, valuation, duty and insurance estimates
04
Maintenance, sinking fund and other recurring charges
05
Evidence for achievable rent and likely vacancy
06
Furnishing, repair and ongoing management costs