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MortgageOne Calculator
  1. Loans
  2. Residential and Commercial Properties

Where Property Ownership Begins

Reduce Mortgage Interest/Rental with Your Cash Deposit

Your MortgageOneTM Account Calculator

Loan/ Financing Amount
RM
Please enter a valid Loan/ Financing amount. The amount should be a positive number between 70,000 and 20,000,000.
The total deposits have surpassed the loan amount, please review and adjust your input accordingly.
Effective Interest/ Rental Rate
% p.a.
Please enter a valid Effective Interest/ Rental Rate % p.a.
Loan/ Financing Tenure
year(s)
Please enter a valid Loan/ Financing tenure.
Initial Cash Deposit
RM
Error: Initial Deposit Must Be Less Than Loan/ Financing Amount
Recurring Monthly Cash Deposit
RM
Error: Total Deposit Must Be Less Than Loan/ Financing Amount
Monthly Installment Payment
RM 9,319.15
Interest Saved
RM 142,261.33
New Loan Tenure
331
*Calculator for illustrative purposes- not for Bank Approval.

Save more with MortgageOneTM Account

  • Monthly Payment
    RM 3,261

      Our simulation tool is for illustrative purposes only and is based on above Loan/ Financing Amount, Effective Interest/ Rental Rate, and Loan/ Financing Tenure you input.

    At Effective Interest/ Rental Rate % p.a.

  • Interest/ Rental Saved
    RM 412,662

    Interest/ Rental Saved

    This is the estimated Interest/ Rental Saved, you may enjoy.

    1. Interest/ Rental Saved is calculated based on the savings derived from surplus cash deposited into the Operating Current Account.
    2. The total cash deposited into the Operating Current Account is capped at 70% of the Loan/ Financing schedule balance and the remaining 30% of the Loan/ Financing schedule balance will be charged with the Prescribed Rate.
    3. It is calculated based on below assumptions:
      1. Loan/ Financing Amount, Effective Interest/ Rental Rate, and Loan/ Financing Tenure you input.
      2. Prompt monthly payment for your Facility.
      3. Both Initial Cash Deposit and/ or Recurring Monthly Cash Deposit (on top of monthly payment) are maintained throughout Loan/ Financing Tenure and are not withdrawn.

    With Deposits maintained in your MortgageOneTM Account

  • Reduce Loan/ Financing Tenure by
    4 Year(s) 1 Month

    Years of Saving

    Interest/ Rental on the Loan/ Financing will be calculated on daily rests basis based on the daily net outstanding balance after offsetting the cash deposited in the Operating Current Account.

Calculator is intended for informational purposes only- not a Loan/ Financing offer.

Loan/ Financing Amount

MortgageOne Account

Here is a smarter way to make your money works harder for you.  

Application Eligibility

  • Minimum gross income is RM4,000 per month
  • Age: 21 to 70 years old.
  • Tenure: 5 to 35 years or up to age 70 at point of maturity of the Loan/ Financing whichever is lower.

Identity Documents

  • NRIC/ Passport

Property Documents

  • Title Deed/ Sale and Purchase Agreement (SPA)/ Booking Receipt (whichever is applicable)

Income Documents for Salaried Earner / Commission Earner

  • Latest EPF account statement OR
  • Latest annual Income Tax returns (ie. Borang B/ BE with LHDN Acknowledgment AND proof of payment/ receipt of refund
  • Latest 6-month Commission Statement/ Payslip AND 6 months Bank Statement (Applicable to Commission Earners only)

Note

  • Additional documents may be requested if deemed necessary. Other documents for income verification may be considered on a case-by-case basis.
  • All Loan/ Financing applications are subject to credit evaluation and approval.

Application Eligibility

  • Minimum gross  income is RM4,000 per month
  • Minimum business vintage equal or more than 2 years*
  • Register Profit before Tax for latest financial year.

*Note

2 years vintage criterion is only applicable to the company salary is drawn from

Identity Documents

  • NRIC/ Passport

Property Documents

  • Title Deed/ Sale and Purchase Agreement (SPA)/ Booking Receipt (whichever is applicable)

Income Documents

  • Latest SSM report AND
  • Latest annual Income Tax returns (i.e. Borang B/BE) with LHDN Acknowledgement AND proof of payment/receipt of refund; OR
  • Latest 6 months Company Bank Statement

Note

  • Additional documents may be requested if deemed necessary. Other documents for income verification may be considered on a case-by-case basis.
  • All Loan/ Financing applications are subject to credit evaluation and approval.

Interest/ Rental on the Loan/ Financing will be calculated on daily rests basis based on the daily net outstanding balance after offsetting the cash deposited in the Operating Current Account at the Effective Interest/ Rental Rate as per stated in the Letter Offer (“Prescribed Rate”)

  1. Interest/ Rental Saved is calculated based on the savings derived from surplus cash deposited into the Operating Current Account.
  2. Cash deposited into the Operating Current Account will be used to offset against the principal Loan/ Financing amount to compute the net outstanding balance which reduces the principal faster resulting into Interest/ Rental savings (“Interest/ Rental Saved”).

For more info, refer to Product Disclosure Sheet.

To apply for MortgageOne, leave your contact details. Our Mortgage Specialist will reach out to you to assist with the Application Process.

Utilisation Fee is charged at 1% Utilisation Rate (per annum) on the unutilised portion of the Total Loan/ Financing Limit Available at Last Due Date whenever Utilisation Rate is equal or less than 30% (“Trigger Level”) of the Total Loan/ Financing Limit Available at Last Due Date.

Utilisation Fee may apply to certain Product Types. Eg. Business MortgageOne Account. For specific details and applicable terms, please refer to your Letter Offer. The terms outlined in your Letter Offer shall prevail.

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*Only deposits are protected by PIDM up to RM250,000 for each depositor.

*  Click here for PIDM’s DIS Brochure

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