Every under-construction property in Malaysia charges you interest while it is being built β on money you cannot live in and cannot rent out. It has a name, progressive interest, and it is the largest cost nobody puts in a brochure.
Run the numbers on our own five and this falls out
Two homes hundreds of thousands apart in price can cost you the same in interest before handover β because one takes five years to build and the other takes two.
Not because it is worse. Because you wait five years for it instead of two β and the meter runs the whole time.
Our Five, Measured
Each bar is the interest you pay before you can move in, on a 90% loan at 4.0% p.a., measured from today to that project's handover date. Nothing else changes between them.
Any Property, Anywhere
Interest paid before you get the keys
RM 0
| Loan amount | β |
|---|---|
| Months of waiting | β |
| Highest monthly interest | β |
| True cost β price plus this | β |
The bank releases your loan in stages as construction milestones are certified, so interest accrues only on what has been drawn. This model assumes drawdown rises steadily across the build, averaging about 45% of the loan β which reproduces the RM24,000β40,000 commonly quoted for a RM500,000 property over three years. Your actual figure depends on the developer's billing pace and your bank's rate. Treat it as the right order of magnitude, not a quotation.
In Plain Words
This is why we put the handover date on every listing and in the comparison table. A completion date is not a detail β it is a number with a ringgit value, and now you can see it.
Send us any project β ours or someone else's β and we'll work out the interest you'd pay before handover, against the developer's actual billing schedule. No charge, and no obligation to buy anything from us.