Financial Calculator for Mortgage Planning

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Loans

Wealth Management

Wish to settle your mortgage early? Let us work this out for you.

Step 1 of 4: Understand

Your mortgage-free plan

Understanding your mortgage

What is the purchase price of your property

Margin of Finance

What is the annual interest rate of your mortgage?

How long is your mortgage period/ tenure (in years)?

How many instalments have you paid (in months)?

Your monthly mortgage

Step 2 of 4: Evaluate

Extra contribution for your mortgage settlement

Lump sum amount

Monthly amount (on top of your existing monthly instalment)

With the extra contribution, you save on interest and reduce your mortgage repayment term

Edit

Property Price

Margin of Finance

Interest Rate

Tenure (years)

Mortgage Calculator

Original Loan Schedule	vs	Accelerated Loan Schedule
Instalment Per Month		Instalment Per Month
RM		RM
		Additional Lump Sum
		RM
		Extra Monthly Contributions
		RM
Interest Saved		Interest Saved
RM 0		RM
Number of years required to settle loan:		Number of years required to settle loan:

Your loan repayment tenure is reduced by years/ months and you saved RM of interest.

Step 3 of 4: Choose

Based on the lump sum extra contribution which you planned to set aside to speed up your mortgage settlement, why not invest for better returns?

Please select the approach shown

Select this approach

To optimise returns

You prefer an investment portfolio that encompasses products such as unit trust to provide you with potential capital and/or regular returns.

Estimated rate of return ranges from -0.44% to 9.41% p.a.

Range of estimated annual rate of return

-0.44% p.a.

+5.47% p.a.

+9.41% p.a.

Based on your investment approach, you could gain returns and speed up your mortgage settlement.

Monthly Investment Amount

Estimated Returns

*the interception point between original loan schedule and investment solution is the loan tenure breakeven point

Original Loan Schedule	Accelerated Loan Schedule	Investment Solution
Instalment Per Month	Instalment Per Month	Instalment Per Month
RM	RM	RM
	Additional Lump Sum	Additional Lump Sum to Investment
	RM	RM
	Extra Monthly Contributions	Monthly Investment Amount
	RM	RM
Total Payment	Total Payment	Total Payment
RM	RM	RM
Number of years required to settle loan:	Number of years required to settle loan:	Number of years required to settle loan:

*the interception point between original loan schedule and investment solution is the loan tenure breakeven point

Original Loan Schedule	vs	Accelerated Loan Schedule
Instalment Per Month		Instalment Per Month
RM		RM
		Additional Lump Sum
		RM
		Extra Monthly Contributions
		RM
Total Payment		Total Payment
RM		RM
Number of years required to settle loan:		Number of years required to settle loan:

Original Loan Schedule			vs	Investment Solution
Instalment Per Month		Instalment Per Month
RM		RM
		Additional Lump Sum to Investment
		RM
		Monthly Investment Amount
		RM
Total Payment		Total Payment
RM		RM
Number of years required to settle loan:		Number of years required to settle loan:

Step 4 of 4: Action

Ready to put your investment approach into action?

Name

Contact number

Preferred branch

Email address

Save this report to access later

Provide your NRIC for us to verify your identity during our meet up so we can retrieve this report. This report will help us understand your retirement needs and investment approach.

NRIC number (Customer)

Attending PFC Full Name (for Staff use only)

PFC Staff ID no. (for Staff use only)

I confirm that I have read the Security & Privacy Policies in the relation to the collection, use and disclosure of my personal data by OCBC Bank (Malaysia) Berhad and OCBC Al-Amin Bank Berhad.

I allow my name and contact details (excluding my account information) to be disclosed within the OCBC Group in Malaysia to offer OCBC Group and/or third party products/services distributed by OCBC Group in Malaysia. I understand that I may withdraw my consent by visiting any of the Bank's branches or calling the Bank's Call Centre.

I do not allow my name and contact details to be disclosed for any products/services offering other than what I have applied/requested for.

Disclaimer

The Mortgage Goal Calculator does not analyse your financial position, investment objectives or individual needs in coming up with the results. You shall not rely on the Mortgage Goal Calculator or on product recommendations by OCBC Bank officers to make any investment or financial decisions. Product recommendations must be independently evaluated before you take into account your investment objectives, financial position and individual needs. The Mortgage Goal Calculator and any product recommendation by OCBC Bank officers must not be regarded as financial planning or financial advice.

Mortgage Life Goals Calculator