{"id":539,"date":"2026-09-17T15:37:55","date_gmt":"2026-09-17T15:37:55","guid":{"rendered":"https:\/\/pexcellmanagement.com\/mortgage-calculator\/"},"modified":"2026-09-19T11:15:24","modified_gmt":"2026-09-19T11:15:24","slug":"mortgage-calculator","status":"publish","type":"page","link":"https:\/\/pexcellmanagement.com\/ms\/mortgage-calculator\/","title":{"rendered":"Kalkulator Pinjaman Perumahan"},"content":{"rendered":"<main id='bde-main'><section class=\"bde-f-container-539-106 bde-f-container pexcell-banner pexcell-banner-about\"><div class=\"bde-f-container-539-105 bde-f-container pexcell-banner-inner\"><h1 class=\"bde-f-text-539-100 bde-f-text pexcell-banner-title\">\nKalkulator Pinjaman Perumahan.\n<\/h1><p class=\"bde-f-container-539-104 bde-f-container pexcell-breadcrumb\"><a class=\"bde-f-text-link-539-101 bde-f-text-link pexcell-breadcrumb-link\" href=\"\/ms\/\" target=\"_self\">\nUtama\n<\/a><span class=\"bde-f-text-539-102 bde-f-text pexcell-breadcrumb-sep\">\n\u203a\n<\/span><span class=\"bde-f-text-539-103 bde-f-text pexcell-breadcrumb-current\">\nKalkulator Pinjaman Perumahan\n<\/span><\/p><\/div><\/section><section class=\"bde-f-container-539-117 bde-f-container pexcell-prop-calc pexcell-calc-page\"><div class=\"bde-f-text-539-118 bde-f-text\">\n<div class='pexcell-mc' data-pexcell-mc><div class='pexcell-mc-tabs'><span class='pexcell-mc-tab pexcell-mc-tab-on' data-mc-tab='afford'>Saya mampu rumah berapa?<\/span><span class='pexcell-mc-tab' data-mc-tab='instal'>Berapa ansuran bulanan?<\/span><span class='pexcell-mc-tab' data-mc-tab='tunai'>Berapa tunai di depan?<\/span><\/div><div class='pexcell-mc-panel pexcell-mc-panel-on' data-mc-panel='afford'><div class='pexcell-mc-fields'><label class='pexcell-mc-field'><span class='pexcell-mc-label'>Gaji bersih bulanan (RM)<\/span><input class='pexcell-mc-input' type='number' min='0' step='100' value='4000' data-mc-in='income'><\/label><label class='pexcell-mc-field'><span class='pexcell-mc-label'>Komitmen bulanan sedia ada (RM)<\/span><input class='pexcell-mc-input' type='number' min='0' step='50' value='500' data-mc-in='commit'><span class='pexcell-mc-hint'>Ansuran kereta, PTPTN, kad kredit, pinjaman peribadi<\/span><\/label><label class='pexcell-mc-field'><span class='pexcell-mc-label'>Umur anda<\/span><input class='pexcell-mc-input' type='number' min='18' max='65' step='1' value='30' data-mc-in='age'><\/label><label class='pexcell-mc-field'><span class='pexcell-mc-label'>Kadar faedah (%)<\/span><input class='pexcell-mc-input' type='number' min='0' step='0.05' value='4.2' data-mc-in='rateA'><\/label><label class='pexcell-mc-field'><span class='pexcell-mc-label'>Tempoh pinjaman (tahun)<\/span><input class='pexcell-mc-input' type='number' min='5' max='35' step='1' value='35' data-mc-in='yearsA'><\/label><label class='pexcell-mc-field'><span class='pexcell-mc-label'>Margin pembiayaan (%)<\/span><input class='pexcell-mc-input' type='number' min='50' max='100' step='5' value='90' data-mc-in='marginA'><\/label><\/div><div class='pexcell-mc-out'><p class='pexcell-mc-out-cap'>Anggaran harga rumah yang anda mampu<\/p><p class='pexcell-mc-out-big' data-mc-out='maxPrice'>RM 0<\/p><div class='pexcell-mc-rows'><p class='pexcell-mc-row'><span class='pexcell-mc-row-k'>Pinjaman maksimum<\/span><span class='pexcell-mc-row-v' data-mc-out='maxLoan'>RM 0<\/span><\/p><p class='pexcell-mc-row'><span class='pexcell-mc-row-k'>Deposit perlu disediakan<\/span><span class='pexcell-mc-row-v' data-mc-out='maxDown'>RM 0<\/span><\/p><p class='pexcell-mc-row'><span class='pexcell-mc-row-k'>Ansuran bulanan<\/span><span class='pexcell-mc-row-v' data-mc-out='maxInstal'>RM 0<\/span><\/p><p class='pexcell-mc-row'><span class='pexcell-mc-row-k'>Tempoh digunakan<\/span><span class='pexcell-mc-row-v' data-mc-out='usedYears'>-<\/span><\/p><\/div><a class='pexcell-mc-cta' href='\/ms\/recent-project\/'>Lihat rumah P-Excell<\/a><p class='pexcell-mc-note'>Dikira pada DSR 65% daripada pendapatan bersih. Setiap bank guna DSR dan kaedah penilaian berbeza, jadi ini anggaran panduan dan bukan kelulusan pinjaman.<\/p><\/div><\/div><div class='pexcell-mc-panel' data-mc-panel='instal'><div class='pexcell-mc-fields'><label class='pexcell-mc-field'><span class='pexcell-mc-label'>Harga rumah (RM)<\/span><input class='pexcell-mc-input' type='number' min='0' step='1000' value='300000' data-mc-in='price'><\/label><label class='pexcell-mc-field'><span class='pexcell-mc-label'>Deposit (RM)<\/span><input class='pexcell-mc-input' type='number' min='0' step='1000' value='30000' data-mc-in='down'><\/label><label class='pexcell-mc-field'><span class='pexcell-mc-label'>Kadar faedah (%)<\/span><input class='pexcell-mc-input' type='number' min='0' step='0.05' value='4.2' data-mc-in='rateB'><\/label><label class='pexcell-mc-field'><span class='pexcell-mc-label'>Tempoh pinjaman (tahun)<\/span><input class='pexcell-mc-input' type='number' min='1' max='35' step='1' value='35' data-mc-in='yearsB'><\/label><label class='pexcell-mc-field'><span class='pexcell-mc-label'>MRTA dan insurans kebakaran sebulan (RM)<\/span><input class='pexcell-mc-input' type='number' min='0' step='10' value='80' data-mc-in='ins'><\/label><label class='pexcell-mc-field'><span class='pexcell-mc-label'>Cukai tanah, cukai pintu dan penyelenggaraan sebulan (RM)<\/span><input class='pexcell-mc-input' type='number' min='0' step='10' value='100' data-mc-in='tax'><\/label><\/div><div class='pexcell-mc-out'><p class='pexcell-mc-out-cap'>Ansuran bulanan (prinsipal dan faedah)<\/p><p class='pexcell-mc-out-big' data-mc-out='instal'>RM 0<\/p><div class='pexcell-mc-rows'><p class='pexcell-mc-row'><span class='pexcell-mc-row-k'>Jumlah pinjaman<\/span><span class='pexcell-mc-row-v' data-mc-out='loanAmt'>RM 0<\/span><\/p><p class='pexcell-mc-row'><span class='pexcell-mc-row-k'>Jumlah faedah sepanjang tempoh<\/span><span class='pexcell-mc-row-v' data-mc-out='totalInt'>RM 0<\/span><\/p><p class='pexcell-mc-row'><span class='pexcell-mc-row-k'>Jumlah bayaran keseluruhan<\/span><span class='pexcell-mc-row-v' data-mc-out='totalPay'>RM 0<\/span><\/p><p class='pexcell-mc-row pexcell-mc-row-total'><span class='pexcell-mc-row-k'>Anggaran kos bulanan sebenar<\/span><span class='pexcell-mc-row-v' data-mc-out='trueMonthly'>RM 0<\/span><\/p><\/div><p class='pexcell-mc-note'>Ansuran besar di atas ialah prinsipal dan faedah sahaja. Kos bulanan sebenar termasuk MRTA, insurans kebakaran, cukai tanah, cukai pintu dan penyelenggaraan.<\/p><\/div><\/div><div class='pexcell-mc-panel' data-mc-panel='tunai'><div class='pexcell-mc-fields'><label class='pexcell-mc-field'><span class='pexcell-mc-label'>Harga rumah (RM)<\/span><input class='pexcell-mc-input' type='number' min='0' step='1000' value='300000' data-mc-in='priceC'><\/label><label class='pexcell-mc-field'><span class='pexcell-mc-label'>Margin pembiayaan (%)<\/span><input class='pexcell-mc-input' type='number' min='50' max='100' step='5' value='90' data-mc-in='marginC'><\/label><label class='pexcell-mc-check'><input type='checkbox' data-mc-in='firstHome' checked><span>Pembeli rumah pertama (pengecualian duti setem)<\/span><\/label><label class='pexcell-mc-check'><input type='checkbox' data-mc-in='devAbsorb'><span>Pemaju tanggung kos guaman dan MOT<\/span><\/label><\/div><div class='pexcell-mc-out'><p class='pexcell-mc-out-cap'>Anggaran tunai perlu disediakan<\/p><p class='pexcell-mc-out-big' data-mc-out='cashTotal'>RM 0<\/p><div class='pexcell-mc-rows'><p class='pexcell-mc-row'><span class='pexcell-mc-row-k'>Deposit<\/span><span class='pexcell-mc-row-v' data-mc-out='cDown'>RM 0<\/span><\/p><p class='pexcell-mc-row'><span class='pexcell-mc-row-k'>Yuran guaman SPA<\/span><span class='pexcell-mc-row-v' data-mc-out='cSpa'>RM 0<\/span><\/p><p class='pexcell-mc-row'><span class='pexcell-mc-row-k'>Duti setem MOT<\/span><span class='pexcell-mc-row-v' data-mc-out='cMot'>RM 0<\/span><\/p><p class='pexcell-mc-row'><span class='pexcell-mc-row-k'>Yuran guaman perjanjian pinjaman<\/span><span class='pexcell-mc-row-v' data-mc-out='cLoanLegal'>RM 0<\/span><\/p><p class='pexcell-mc-row'><span class='pexcell-mc-row-k'>Duti setem perjanjian pinjaman<\/span><span class='pexcell-mc-row-v' data-mc-out='cLoanDuty'>RM 0<\/span><\/p><p class='pexcell-mc-row'><span class='pexcell-mc-row-k'>Penilaian dan lain-lain<\/span><span class='pexcell-mc-row-v' data-mc-out='cMisc'>RM 0<\/span><\/p><p class='pexcell-mc-row pexcell-mc-row-total'><span class='pexcell-mc-row-k'>Peratus daripada harga rumah<\/span><span class='pexcell-mc-row-v' data-mc-out='cPct'>0%<\/span><\/p><\/div><p class='pexcell-mc-note'>Kadar duti setem dan pengecualian rumah pertama berubah mengikut Bajet tahunan. Sahkan dengan peguam atau bank sebelum membuat keputusan.<\/p><\/div><\/div><\/div>\n<\/div><\/section><\/main>","protected":false},"excerpt":{"rendered":"<p>Mortgage Calculator. Home \u203a Mortgage Calculator Saya mampu rumah berapa?Berapa ansuran bulanan?Berapa tunai di depan?Gaji bersih bulanan (RM)Komitmen bulanan sedia ada (RM)Ansuran kereta, PTPTN, kad kredit, pinjaman peribadiUmur andaKadar faedah (%)Tempoh pinjaman (tahun)Margin pembiayaan (%)Anggaran harga rumah yang anda mampuRM 0Pinjaman maksimumRM 0Deposit perlu disediakanRM 0Ansuran bulananRM 0Tempoh digunakan-Lihat rumah P-ExcellDikira pada DSR 65% daripada [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_breakdance_hide_in_design_set":false,"_breakdance_tags":"","footnotes":""},"class_list":["post-539","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/pexcellmanagement.com\/ms\/wp-json\/wp\/v2\/pages\/539","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pexcellmanagement.com\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pexcellmanagement.com\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pexcellmanagement.com\/ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pexcellmanagement.com\/ms\/wp-json\/wp\/v2\/comments?post=539"}],"version-history":[{"count":4,"href":"https:\/\/pexcellmanagement.com\/ms\/wp-json\/wp\/v2\/pages\/539\/revisions"}],"predecessor-version":[{"id":677,"href":"https:\/\/pexcellmanagement.com\/ms\/wp-json\/wp\/v2\/pages\/539\/revisions\/677"}],"wp:attachment":[{"href":"https:\/\/pexcellmanagement.com\/ms\/wp-json\/wp\/v2\/media?parent=539"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}