Monthly Instalment for a RM700k Condo in Malaysia 2026

The Quick Answer

RM700,000 condo, 10% down, 90% loan (RM630,000), 4.5% interest, 35 years: approximately RM2,980 per month.

Payment Table: RM630,000 Loan

At 4.0%: 30-year gives RM3,008/month. 35-year gives RM2,765/month.

At 4.5%: 30-year gives RM3,192/month. 35-year gives RM2,982/month.

At 5.0%: 30-year gives RM3,383/month. 35-year gives RM3,207/month.

Full Monthly Cost

Mortgage: approximately RM2,982. Maintenance (RM0.40/sqft, 1,000 sqft): roughly RM400. Sinking fund: approximately RM40. Total: approximately RM3,422/month.

Comfortable on a household income of RM10,000-10,500.

No Stamp Duty Exemption

At RM700k, you’re above the RM500k first-timer exemption threshold. Budget for full stamp duty: approximately RM15,000 (MOT) + RM3,150 (loan) = RM18,150.

Total upfront including down payment: approximately RM95,000-100,000.

Projects at This Price

One Seputeh from RM700k (freehold, Seputeh). The Ria RM610k-1.1M (KL Sentral). Levia Residence up to RM998k (Cheras, residential title). Alora Residences RM600k-900k (Subang Jaya).