Myra Super Calculator

Myra's Super Calculator

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!

Basic Details

Basic Details

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.

Name

Phone Number

Email

Race

Age

House SPA Price

The House

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!

SPA Price

If you don't know this, key in the price of your dream house.

RM

Property offer

Initiatives and Rebates

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!

%

Reset

Deals

%

Reset
Add

Add More Deals

Saving

Nett Price

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

RM

Total Savings

RM

Monthly Instalment

Your Monthly Instalment

Time to calculate how much you'll need to pay each month!

Loan Margin

%

Loan Tenure

yrs

Interest Rate

%

Total Loan Amount

RM

Monthly Loan Instalment

RM

Differential Sum

RM

Other Payable

Other Payables

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!

Payables

Amount

Waived

MOT Stamp Duty

RM

SPA Legal Fees

RM

Loan Stamp Duty

RM

Loan Legal Fees

RM

MRTA

RM

Total Waived

RM

Total Payable

RM

Buyer Details

Let's get to know you!

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!

Name

Nett Income

RM

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!

Commitment

Type

Monthly Repayment

RM

Reset Commitment
Add

Add More Commitment

Your existing commitments amounts to:

RM

Name

Nett Income

RM

Commitment

Type

Monthly Repayment

RM

Reset Commitment
Add

Add More Commitment

Your existing commitments amounts to:

RM

Do you want to add a person in for your joint loan? Add them here!

Add

Add Loan Applicant

RM

Delete Commitment
Debt Servicing Ratio

Your Report Card

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

RM

Current

Commitment

RM

Debt Service Ratio

%

New

Commitment

RM

Debt Service Ratio

%

Tips

Myra's Advice

Here are your teacher’s notes to help you!

  • Once you've completed all the fields above, Myra will share a summary here for you alongside some useful tips and tricks! It's pretty cool, and absolutely worth it.

Get A Copy

Now that you’ve completed your home check, take away one to keep!

Loan Documents

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!

Download

Get Template