Car and house affordability
Loan plus running costs against this month's take-home. Switch between a car and a house on the same page.
Car
On-the-road car price, down payment percent, loan years (up to 9), and the hire-purchase flat rate. Monthly petrol, insurance, maintenance, toll, and parking start from typical Klang Valley figures and can be edited. Malaysian hire purchase charges flat interest on the financed amount. Default assumptions are 10% down and 3.5% flat.
House
House price, down payment percent, loan years (up to 35), and the annual reducing-balance rate. Monthly maintenance, assessment (cukai pintu), fire insurance, and repairs start from typical Klang Valley figures and can be edited. Malaysian housing loans charge reducing-balance interest on the remaining principal. Default assumptions are 10% down and 4% a year. Legal fees and stamp duty are extra cash at purchase.
What you get back
A monthly actual-cost table: loan plus running costs. Cash needed now, amount financed, interest over the loan, and total paid. Against salary: share of take-home, leftover after the whole cost, and whether it fits, stretches, or overshoots a 30% take-home cap. If you already ran the salary calculator, GajiWise uses that take-home pay. Suggested prices come from the 50 / 30 / 20 split.