Basic loan calculators don’t provide you with enough information to make an informed decision.
That's why we came up with Myra's Super Calculator! It’s a super gadget that’s here to help you understand your finances better so that your homeownership journey will be easier and more exciting!
Watch the tutorial!
Let me know more about you and where I can send your financial report once you're done! Don't worry - we have no intentions of spamming.
The “SPA Price” is the price tag before discounts and rebates. It’s different from the “Nett Price” that’s usually advertised! Key in the SPA price here so that we can calculate the actual nett price together!
If you don't know this, key in the price of your dream house.
There are many initiatives and rebates offered by the developer and govt to homebuyers, like the Bumiputera discount or Early Bird. Make sure to ask, and key them in below to get a more accurate calculation!
P.S. Check out that useful tool tip to see how much each rebate is offering!
Add More Deals
The Nett Price refers to the price after all discounts and deductions have been applied! This is usually the price that you see in the ads.
Property Nett Price
Time to calculate how much you'll need to pay each month!
Total Loan Amount
Monthly Loan Instalment
Here's the part homebuyers don't know enough about. On top of the property price, there will be other costs you'll need to prepare for! Do note that this is only an indication. In reality, this may differ depending on various factors.
Psst, good news! Some developers will absorb your legal fees. So tick it off if you're one of the lucky ones!
MOT Stamp Duty
SPA Legal Fees
Loan Stamp Duty
Loan Legal Fees
Disclaimer: These figures are calculated based on a formula practised across many institutions. However, this amount may vary and can only be confirmed by your respective bank at their discretion.
This is the most important part of our calculations. Here’s where we’ll calculate your Debt Service Ratio (DSR) which is a measure banks use to determine whether or not you’ll be able to afford the loan you’re applying for!
Nett income allows us to generate a full report for you. Don't worry, we will not be disclosing any details that you have input. Check out our PDPA here!
Add More Commitment
Your existing commitments amounts to:
Add Loan Applicant
Here's everything about you in a nutshell. This information is what really matters to the bank because of this little thing called DSR (Debt Service Ratio).
A DSR is a ratio of how much debt you owe against your income. Your DSR is one of the major factors banks will consider before deciding whether or not to approve your loan application!
Monthly Household Income
Debt Service Ratio
Here are your teacher’s notes to help you!
Now that you’ve completed your home check, take away one to keep!
The banks will ask you for some docs to verify your home loan application. It’ll be a long list, but worry not, Myra’s here with the list as well as some templates for you to refer to!
P.S. This list will differ based on each individual needs and your home consultant will provide you with a customized one!
Based on your SPA Price, this is Myra's Project that suit you!
Keep your report safe and thanks for using Myra's Super Calculator!
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Welcome to Myra's Super Calculator! Basic loan calculators don't provide you with enough information, that's why we came up with this super gadget.
To update your dashboard and get your MSC finance report on Member Myra, you will need to:
1. Fill in the columns below (especially your home's price, household income, and commitments!)
2. Click the "Let Me Have It" button to generate your report.