goldenproperty.my ·Exsim projects, exclusivelyPrivate viewings by appointment · 7 days a week011-6161 0678
Home›Loan calculator
Loan calculator

Loan, affordability, upfront cost & rental yield calculators

Four calculators in one place. Change the loan assumptions once and every project card on this site updates with its own monthly estimate.

Estimated monthly instalmentRM 0
Loan amount—
Down payment—
Total interest—
Total payment—
*Estimates only. Actual instalment depends on the bank's approved rate, margin and tenure.
Outstanding balance over the loan
YearPrincipal paidInterest paidBalance
DSR (debt service ratio) is the share of net income banks allow for all loan repayments. Most banks cap it at 60–70%; the actual limit depends on income band and bank.
Maximum property price—0 Exsim projects within this budget
Maximum instalment—
Maximum loan—
Indicative only. Banks also consider age, income type, credit history and the property valuation.
Legal fees follow the Solicitors' Remuneration Order 2023 developer-sale scale (Table B: 75%, 70%, 65% or 50% of the standard 1.25% / 1% scale) for both the SPA and the loan, plus 10% for the deed of assignment and 8% service tax. MOT stamp duty is 1% / 2% / 3% / 4% by price band, or a flat 8% for foreign buyers of homes; loan stamp duty is 0.5%. The Budget 2027 option is a proposal until gazetted. Exsim campaign packages often cover legal fees — we confirm the current package for your project. How these costs work.
  • Down payment—
  • SPA legal fees—
  • Loan agreement legal fees—
  • Service tax on legal fees (8%)—
  • MOT stamp duty—
  • Loan stamp duty—
  • Miscellaneous—
  • Estimated cash needed—
Estimates exclude valuation fees, insurance (MRTA/MLTA) and renovation. Stamp duty exemptions depend on current government policy and your eligibility.
Instalment uses the loan assumptions from the Instalment tab. Rent is an estimate; ask us for current rental comparables for the project.
Gross yield—
Net yield—
Estimated monthly instalment—
Monthly cash flow after instalment—

Monthly estimate for every project

Based on the lowest listed price and the assumptions above. Change them and the figures update.

Tagbay Suites, Melaka — developer artist impression Commercial

Tagbay Suites

Melaka
Melaka seafrontSea & sky views
Availability
Selected units available
Size
495 – 990sq ft
Price
RM 332,300 – 684,500
Est. instalment*
RM 1,342/month
Get price listDetails Taghill

The CapeHauz

Gelugor (The Light Waterfront), Penang
New launchPenang WaterfrontLevel 52 sky pool
Availability
Selected units available
Size
700 – 947sq ft
Price
RM 859,000 – 1,417,200
Est. instalment*
RM 3,470/month
Get price listDetails Penang Sales Gallery

Keeperz Suites

Gelugor (The Light Waterfront), Penang
The Light WaterfrontStudio & dual-keyLevel 21 sky pool
Availability
Selected units available
Size
484 – 581sq ft
Price
RM 820,100 – 1,005,900
Est. instalment*
RM 3,312/month
Get price listDetails Penang Sales Gallery

The Lighthauz

Gelugor (The Light Waterfront), Penang
The Light Waterfront2 & 3-bed homesGelugor, Penang
Availability
Limited availability
Size
732 – 1,001sq ft
Price
RM 864,500 – 1,173,700
Est. instalment*
RM 3,492/month
Get price listDetails Penang Sales Gallery

Dover Tower

Johor Bahru, Johor
Freehold± 600 m to JB CIQ1 to 3-bed layouts
Availability
Selected units available
Size
474 – 850sq ft
Price
RM 700,500 – 1,253,750
Est. instalment*
RM 2,829/month
Get price listDetails Johor Sales Gallery

Brixton Tower

Johor Bahru, Johor
Freehold± 600 m to JB CIQ1 to 3-bed layouts
Availability
Selected units available
Size
474 – 850sq ft
Price
RM 691,000 – 1,237,000
Est. instalment*
RM 2,791/month
Get price listDetails Johor Sales Gallery

Axis Tower

Johor Bahru, Johor
Freehold± 600 m to JB CIQStudios & dual-key
Availability
Selected units available
Size
366 – 592sq ft
Price
RM 593,100 – 975,200
Est. instalment*
RM 2,396/month
Get price listDetails Johor Sales Gallery

The Bedrock

Kota Kinabalu, Sabah
Jesselton DocklandsFully furnishedKK waterfront
Availability
Selected units available
Size
351 – 700sq ft
Price
RM 506,500 – 994,100
Est. instalment*
RM 2,046/month
Get price listDetails Bedi Marketing

Bayu Damai Residences

Residensi Bayu Damai
Kota Kinabalu, Sabah
999-year leasehold2 to 4-room homes40 m pool
Availability
Limited availability
Size
697 – 1,132sq ft
Price
RM 509,800 – 1,030,108
Est. instalment*
RM 2,059/month
Get price listDetails Bedi Marketing
Sejati Sentral, Sandakan, Sabah — developer artist impression Commercial

Sejati Sentral

Sandakan, Sabah
GreenRE-certified400 m to airport2-storey shop-offices
Availability
Limited availability
Size
2,350 – 6,324sq ft
Price
RM 1,331,800 – 3,785,800
Est. instalment*
RM 5,379/month
Get price listDetails Bedi Marketing
Good to know

Frequently asked questions

Which Exsim projects still have units available?

As at 21 October 2026, 23 of the 32 launched Exsim projects listed here still have developer units; 9 are fully sold. The newest launches, The Queenswoodz, MABA Suitez and The CapeHauz, are now selling. Each card shows the live count for that project. Availability changes daily, so WhatsApp us for today's confirmed numbers before you decide.

How do I get the latest price list and floor plans?

Tap any WhatsApp button or submit the enquiry form. We send today's developer price list, floor plans and the current campaign package for the project you choose, usually within the hour, with no obligation.

Can I view the showroom on a weekend?

Yes. We arrange showroom viewings 7 days a week at the relevant Exsim sales gallery. Use the Book a viewing button, pick a date and time slot, and we confirm by WhatsApp.

How is the monthly instalment estimate calculated?

The estimate on each card assumes a 90% loan on the lowest listed price at 4.1% p.a. over 35 years. Change the assumptions in the calculator and every card updates. Your actual rate and eligibility depend on the bank's assessment, which we can check for free.

Compare projects 0/3
WhatsApp Call