Kalkulator Pinjaman Rumah – Bayaran Bulanan & Jadual Anuiti Bank

Formula & Metodologi Pengiraan

            EMI = P × [r(1 + r)ⁿ] / [(1 + r)ⁿ - 1]
          

Monthly EMI is derived using standard fixed-annuity compound discounting formula over the total number of payment periods.

Panduan Penggunaan Loan & Mortgage Payment Calculator

Enter your total borrowed principal loan amount.
Input the annual interest rate offered by your financial institution.
Select your loan tenure in years or months.
Toggle between Fixed EMI or Reducing Balance method to inspect monthly principal vs. interest amortization.

Soalan Lazim (FAQ)

What is the difference between Fixed EMI and Reducing Balance loan schedules?

With Fixed EMI, your total monthly payment remains constant throughout the loan term. With reducing balance, you pay a fixed principal each month plus interest on the remaining balance, so payments decrease over time.

Can I view or export the full amortization schedule?

Yes, you can inspect every monthly breakdown showing starting balance, principal paid, interest paid, and remaining balance.