Monthly Instalment for a RM1 Million Condo in Malaysia 2026

The Quick Answer

RM1,000,000 condo, 10% down, 90% loan (RM900,000), 4.5% interest, 35 years: approximately RM4,258 per month.

Payment Table: RM900,000 Loan

At 4.0%: 35-year gives RM3,950/month. At 4.5%: 35-year gives RM4,258/month. At 5.0%: 35-year gives RM4,582/month. At 5.5%: 35-year gives RM4,914/month.

Full Monthly Cost

Mortgage: approximately RM4,258. Maintenance (RM0.45/sqft, 1,200 sqft): roughly RM540. Sinking fund: approximately RM54. Assessment: roughly RM100. Total: approximately RM4,952/month.

Comfortable on a household income of RM15,000+.

The Upfront Reality

Down payment: RM100,000. Stamp duty MOT: RM24,000. Stamp duty loan: RM4,500. Legal fees (SPA + loan): approximately RM12,000-16,000. Total upfront: approximately RM140,000-145,000.

That’s a significant sum. Plan for it 12-18 months before purchasing.

Total Cost Over Loan Life

At 4.5% over 35 years, total payments on RM900k loan: approximately RM1,788,360. Interest paid: RM888,360 — nearly doubling the loan. Consider shorter tenure if income allows — 25 years saves approximately RM200,000 in interest.

Premium Projects at RM1M

Arte Solaris duplex units in Mont Kiara. One Seputeh freehold units near Mid Valley. The Ria premium layouts near KL Sentral. Levia Residence top-end 4-bedroom units.