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Car Loan Calculator Malaysia
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Monthly Payment
Down Payment:
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Total Cost:
Car Loan Monthly Installments Schedule
Repayment Schedule | Monthly Repayment | Outstanding Balance |
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Public Bank Car Loan Interest Rate 2025
Monthly Car Payment Calculator FAQs
Introduction to Car Loan Calculator in Malaysia
Car Loan Introduction
Purchasing a brand-new car is usually done with car loans or financing services. Used cars can be purchased on a loan too, provided ...
they’re not valued too low. The bank’s valuation of the car is important since it serves as a collateral in case of loan default. In Malaysia, car loan tenures can take up to 5, 7, or even 9 years. Loans enable you to hold on to your cash in hand by charging you an interest over a certain period of time.
Car Loan Eligibility
Car loan or financial service providers include banks and some car companies themselves. Whether or not you will be eligible for a car loan depends on factors like the loan amount, loan tenure, your monthly net income, credit score, and other factors. The interest rate of the car loan will be affected by the type of car (sports car/family car), loan amount, loan tenure, and your credit history.
Down payment and interest rates
A minimum of 10% down payment is usually required by banks for the purchase of a brand-new car and about 20% for a used car. Down payments can also be paid by trading in your current vehicle. Some car buyers prefer to pay a higher down payment to reduce the interest paid, while some prefer to have more cash in hand. The choice is yours to make depending on your financial needs. Keep in mind that an early settlement for your car loan will not drastically reduce the interest that you have to pay.
Monthly installment
With the car loan amount, loan tenure, and interest rate decided, a monthly installment amount will be obtained. This is usually the main concern for the average car buyer to see if it fits their budget. Monthly installments can be done via manual or auto deduction.
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Insurance Calculator
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Yearly Insurance Payment
Insurance FAQ
Insurance Introduction
Car Insurance Introduction
Car insurance provides financial protection in the event of a traffic accident that causes physical damage or injury. Car insurance is ...
compulsory in Malaysia with the minimum requirement being the third-party insurance. Without a car insurance policy, the road tax could not be renewed for your car.
Types of Car Insurance in Malaysia
There are three main types of car insurance in Malaysia:
Third party insurance
Third party, fire, and theft
Comprehensive
Third Party Insurance
In the event of injury or physical damage caused by a traffic collision where you are at fault, your insurance is used to compensate the financial losses caused to other party involved. Hence the name third party insurance. A police report will have to be made prior to making an insurance claim.
The third-party insurance is the most basic form of car insurance that only compensates the damages of the other party involved. Your personal damages are not covered.
Third party, fire, and theft insurance
“Third party, fire, and theft insurance” is a step up from the basic third-party insurance with fire and theft insurance included. As the name suggests, damage to your own car in a collision is still not covered.
Comprehensive insurance
Comprehensive insurance is the most complete form of car insurance. In addition to the coverage provided by “third party insurance” and “third party, fire, and theft insurance”, damage to your own vehicle is also covered by the insurance policy.
Factors affecting car insurance premium
The insurance premium for your car will be affected by several factors like:
Car gross market value
Type of car insurance
Car engine displacement
Your location
The car’s depreciation will reduce its gross market value, a higher insurance coverage will incur a higher premium, and a bigger engine displacement incur a higher premium.
Your location will determine the risk of an incident, thus affecting the insurance premium. All of these factors are assessed when you use our insurance calculator.
No-claim discount (NCD)
A no-claim discount is a discount that you will receive if the car insurance has never been claimed. The car is assessed to be at a lower risk of an incident. The NCD starts at 25% after one year and increases up to 55 % after 5 years of no claims.
Insurance add-ons
On top of the three insurance types mentioned earlier, add-on car insurances can also be subscribed to such as:
Windscreen insurance
Driver insurance
Audio system insurance
(Special Perils) (Natural disaster) insurance
Strike, riot, and civil commotion insurance
Legal liability for Passenger Act of Negligence
Different drivers will have different insurance needs. With a good insurance package, you can have peace of mind in case of any unexpected incidents.
Buying Guides
3 often overlooked reasons that explain why the Mitsubishi Xpander is exceeding MMM's target
2 variants of the BYD M6 available in Malaysia, what are the differences?
The Lexus LBX is what 'Old Money' folks use to hide their wealth, and they don't want you to know about it
10 minutes was all it needed to show that the 2024 Honda CR-V RS is the best family SUV you can get
Road Tax Calculator
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Yearly Repayment
Road Tax FAQ
Road Tax Introduction
Road Tax Introduction
The road tax is a tax paid by vehicle owners to use public roads. The tax amount varies depending on the vehicle type, vehicle ...
specifications, vehicle registration location, type of ownership, and vehicle purpose. In Malaysia, the road tax is paid on an annual basis. Vehicles with a valid road tax are required to have them displayed. For cars and trucks, the road tax sticker is displayed on the bottom right corner of the windscreen. The vehicle registration number, road tax price, and road tax expiry date are clearly written on the road tax sticker. The road tax sticker is only meant for a one-time use. If removed or tampered with, the road tax sticker will tear apart, rendering it invalid.
Road Tax Calculation in Malaysia
In Malaysia, the road tax value is determined by several factors. Namely vehicle type, vehicle specifications, vehicle registration location, type of ownership, and vehicle purpose.
Road users in West Malaysia and East Malaysia are taxed at a different rate. The road tax in East Malaysia is lower due to the conditions of the road and its supporting infrastructures.
In both East and West Malaysia, the road tax increases as the engine displacement of the car increases. The road tax calculation is based on engine capacity.
This form of road tax calculation has encouraged manufacturers to sell cars with smaller displacement engines that are usually turbocharged or assisted by a hybrid system. Most cars in Malaysia have less than 2.0-litre engine displacement.
At minimum, the road tax for an engine-driven car is RM20 for cars with engine displacements of 1,000 cc and below. To calculate the road tax of a vehicle, the base rate and progressive rate will have to be combined.
The progressive rate increases as the engine displacement increases. Cars that exceed 3.0 litres in West Malaysia are taxed RM4/cc for every cubic centimetre that exceeds the 3,000-cc mark.
The type of vehicle ownership will also affect the road tax rate. A vehicle can be either private-owned or company-owned.
The road tax for electric vehicles follow a different method of calculation that is based on the maximum power output of the vehicle.
Road tax payment schedule
The time of payment for the road tax depends on the date of registration of the vehicle. A car that is registered on 17 December will have its road tax expired by 16 December in the following year. The road tax is usually renewed together with the vehicle’s insurance.
How to renew Road tax?
The road tax renewal can be cone online via MyEG. The road tax will need to be renewed together with the car’s insurance.
What happens if road tax is not paid?
Without a road tax, the vehicle is not legally allowed to be driven on public roads. If a vehicle’s road tax has not been renewed for more than 36 months, a PUSPAKOM inspection will be required to renew it later on.
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Fuel Money Calculator In Malaysia
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Alfa Romeo
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Yearly Fuel Payment
RM 0
An Example of the Petrol Cost Calculator
Fuel Cost Calculator In Malaysia FAQs
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