Calculate your property loan installments, total interest payable, and affordability for factories, warehouses, and commercial properties in Malaysia.
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Disclaimer: This calculator provides estimates only. Actual fees may vary. Please consult with your lawyer and bank for accurate figures.
Our mortgage calculator helps you estimate the monthly installments for factory, warehouse, and commercial property loans in Malaysia. Simply enter the property price, down payment percentage, interest rate, and loan tenure to get instant results.
Banks in Malaysia typically offer commercial property loans with interest rates ranging from 4.5% to 6.5% per annum. The loan tenure can extend up to 30-35 years, with down payment requirements usually starting at 10-20% of the property value. Use this calculator to plan your factory or warehouse purchase effectively.
Industrial property financing in Malaysia is structured differently from residential housing loans. Most banks treat factories, warehouses and industrial land as commercial credit, which means stricter loan-to-value (LTV) caps, shorter tenures and full-credit-assessment underwriting. As a benchmark, a Malaysian individual buying a first owner-occupier factory typically secures 80–85% LTV; second industrial property usually drops to 70%; Sdn Bhd company purchases sit at 70–75% with directors' personal guarantees. Tenures generally cap at 25 years (vs 35 for residential) and many banks shorten further to 20 years for buyers above age 50, since combined age + tenure must not exceed 70–75 at maturity.
Malaysian industrial loans are priced off each bank's Base Rate (BR), Standardised Base Rate (SBR) or Cost of Funds. The all-in effective rate for industrial property in 2026 typically sits in the 4.5%–6.5% range, with strong corporate borrowers occasionally pricing below BR + 0.50%. Unlike residential flexi loans, most industrial term loans do not allow early-prepayment offset against the principal balance, extra payments are held on a separate suspense account or treated as one-off rebates. Monthly installments are calculated on a reducing-balance basis using the standard amortisation formula M = P × r(1+r)^n / ((1+r)^n − 1), which is exactly what the calculator above implements.
The monthly installment is only one piece. Budget separately for: (a) MOT stamp duty progressive 1%/2%/3%/4%, (b) loan agreement stamp duty 0.5% of loan amount, (c) SPA legal fees per SRO 2023 scale (1.25% on first RM500K, 1% next tier), (d) loan facility legal fees on a similar scale, (e) professional valuation fee (typically RM2,500–RM6,000 for industrial), (f) bank processing fee RM200–RM500, (g) MRTA/MLTA optional life cover, and (h) fire insurance, mandatory for the entire bank tenure. On a RM3 million factory purchase, total upfront cash beyond down payment commonly lands around RM150,000–RM200,000.
For a baseline estimate use 5.5%. If your application is for an established Sdn Bhd with strong cash flow, model 4.8%; if you're a first-time individual buyer or buying second industrial property, model 6.0%–6.5% to be conservative.
If financed (lump-sum into principal), yes, it inflates the loan tenure interest. If paid annually as separate fire/life premium, model the loan without MRTA. Most industrial buyers opt for level-term external life cover and pure fire insurance, since the MRTA/MLTA cost spread over 25 years adds materially to total interest.
Flexi loans let you park excess cash in a linked current account that offsets daily principal, total interest can drop 15–25% if you maintain a meaningful offset balance. The basic calculator above assumes a non-flexi term loan, which represents the worst case (highest total interest).
Yes, after the initial lock-in period (usually 3–5 years). Refinancing is common in Malaysia when BNM's Overnight Policy Rate cycles change rates by 50bps or more, a 1% rate drop on a RM2.4M loan saves roughly RM350,000 over the remaining 20-year tenure.
Also try our Legal Fees & Stamp Duty Calculator →
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