Public Bank Home Loan Calculator
Estimate your monthly Public Bank home loan payment at current rates. Free, no signup.
Public Bank home loan rate
| Lender | Typical rate | Max term |
|---|---|---|
| Public Bank | 4.35% p.a. | up to 30 years |
SBR-linked; BNM OPR ~3%. Your rate depends on your profile and deposit — verify with the bank.
Worked example
Example: RM500,000 Public Bank home loan at 4.35% for 30 years.
- Monthly payment: RM2,489
- Total interest: RM396,061
- Total payable: RM896,061
Frequently Asked Questions
What is the Public Bank home loan rate?
Public Bank home loan rates are around 4.35% p.a. as a 2026 reference. SBR-linked; BNM OPR ~3%. Your exact rate depends on your profile and deposit.
How is the Public Bank monthly payment calculated?
Using the reducing-balance formula on the financed amount. Enter your amount, rate and term in the calculator above.
How much deposit do I need?
A larger deposit lowers your rate and total cost. Most lenders also add valuation, legal and registration fees on top of the deposit.
Can I reduce the total cost?
Yes — a bigger deposit, shorter term, and extra/early repayments all cut total interest. Check for any early-repayment charges first.