{"id":20198,"date":"2025-08-17T20:42:45","date_gmt":"2025-08-17T12:42:45","guid":{"rendered":"https:\/\/jxrealtysdnbhd.com\/?page_id=20198"},"modified":"2025-12-19T20:25:32","modified_gmt":"2025-12-19T12:25:32","slug":"progressive-interest-calculator","status":"publish","type":"page","link":"https:\/\/jxrealtysdnbhd.com\/zh\/progressive-interest-calculator\/","title":{"rendered":"\u9012\u589e\u5229\u7387\u8ba1\u7b97\u5668"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"20198\" class=\"elementor elementor-20198\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b05faaa e-flex e-con-boxed e-con e-parent\" data-id=\"b05faaa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce781df elementor-widget elementor-widget-text-editor\" data-id=\"ce781df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div id=\"model-response-message-contentr_9013c73bea576301\" class=\"markdown markdown-main-panel stronger enable-updated-hr-color\" dir=\"ltr\"><h3>\ud83e\udde0 What Is Progressive Interest in Malaysia?<\/h3><p>\u00a0<\/p><p>In Malaysia, when you buy a new, under-construction property, your bank doesn&#8217;t release the full loan amount at once. Instead, payments are disbursed to the developer in stages, according to the construction progress. This is mandated by either <b>Schedule G<\/b> (for landed homes) or <b>Schedule H<\/b> (for stratified properties like apartments).<\/p><p>You only pay interest on the amount that has been disbursed. This is known as <b>progressive interest<\/b>. While the initial payments may seem small, the total interest can accumulate significantly over the 2 to 3 years of the construction period.<\/p><hr \/><p>\u00a0<\/p><h3>\ud83d\udca1 Why Use This Calculator?<\/h3><p>\u00a0<\/p><p>\u2705 Malaysian-specific: Aligned with local construction stages (Schedule G &amp; H).<\/p><p>\u2705 Clear Breakdown: See your interest payments broken down by each disbursement stage.<\/p><p>\u2705 Comprehensive Simulation: Includes a full post-construction loan repayment schedule.<\/p><p>\u2705 Essential Tool: Perfect for buyers comparing projects and agents advising clients.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59020cc elementor-widget elementor-widget-html\" data-id=\"59020cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- Enhanced Progressive Interest Calculator for WordPress -->\r\n<div id=\"interest-calculator\" style=\"max-width: 850px; margin: auto; padding: 30px; background: #f9f9f9; border-radius: 12px; box-shadow: 0 0 10px rgba(0,0,0,0.1); font-family: sans-serif;\">\r\n  <h2 style=\"text-align:center; color:#333;\">\ud83c\udfd7\ufe0f Malaysia Progressive Interest Calculator<\/h2>\r\n  <div style=\"display: flex; flex-wrap: wrap; gap: 20px;\">\r\n    <div style=\"flex:1; min-width: 250px;\">\r\n      <label>Property Price (RM):<br><input type=\"number\" id=\"price\" value=\"500000\" style=\"width:100%; padding:8px;\" \/><\/label><br><br>\r\n      <label>Loan %:<br><input type=\"number\" id=\"loanPercent\" value=\"90\" style=\"width:100%; padding:8px;\" \/><\/label><br><br>\r\n      <label>Interest Rate (% p.a):<br><input type=\"number\" id=\"rate\" step=\"0.01\" value=\"4.2\" style=\"width:100%; padding:8px;\" \/><\/label><br><br>\r\n    <\/div>\r\n    <div style=\"flex:1; min-width: 250px;\">\r\n      <label>Construction Period (Months):<br><input type=\"number\" id=\"months\" value=\"36\" style=\"width:100%; padding:8px;\" \/><\/label><br><br>\r\n      <label>Loan Tenure (Years):<br><input type=\"number\" id=\"loanYears\" value=\"30\" style=\"width:100%; padding:8px;\" \/><\/label><br><br>\r\n      <label>Property Type:<br>\r\n        <select id=\"propertyType\" style=\"width:100%; padding:8px;\">\r\n          <option value=\"H\">Schedule H (Apartment\/Strata)<\/option>\r\n          <option value=\"G\">Schedule G (Landed)<\/option>\r\n        <\/select>\r\n      <\/label><br><br>\r\n    <\/div>\r\n  <\/div>\r\n  <button onclick=\"calculateInterest()\" style=\"padding:10px 20px; background:#0066cc; color:white; border:none; border-radius:6px;\">Calculate<\/button>\r\n  <div id=\"results\" style=\"margin-top: 30px;\"><\/div>\r\n  <canvas id=\"chart\" style=\"margin-top: 20px;\"><\/canvas>\r\n<\/div>\r\n\r\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\r\n<script>\r\nfunction calculateInterest() {\r\n  const price = parseFloat(document.getElementById('price').value);\r\n  const loanPercent = parseFloat(document.getElementById('loanPercent').value);\r\n  const loan = price * (loanPercent \/ 100);\r\n  const rate = parseFloat(document.getElementById('rate').value) \/ 100;\r\n  const months = parseInt(document.getElementById('months').value);\r\n  const years = parseInt(document.getElementById('loanYears').value);\r\n  const type = document.getElementById('propertyType').value;\r\n\r\n  const schedule = type === \"H\" ? [\r\n    { stage: \"Sign SPA\", percent: 10, ratio: 0 },\r\n    { stage: \"Foundation\", percent: 10, ratio: 0.12 },\r\n    { stage: \"Framework\", percent: 15, ratio: 0.24 },\r\n    { stage: \"Walls\", percent: 10, ratio: 0.36 },\r\n    { stage: \"Roof & Piping\", percent: 10, ratio: 0.48 },\r\n    { stage: \"Plastering\", percent: 10, ratio: 0.6 },\r\n    { stage: \"Sewerage\", percent: 5, ratio: 0.68 },\r\n    { stage: \"Drainage\", percent: 5, ratio: 0.72 },\r\n    { stage: \"Roads\", percent: 5, ratio: 0.76 },\r\n    { stage: \"Vacant Possession\", percent: 12.5, ratio: 1 },\r\n    { stage: \"Strata Title Submission\", percent: 2.5, ratio: 1 },\r\n    { stage: \"6 months after VP\", percent: 2.5, ratio: (months + 6) \/ months },\r\n    { stage: \"18 months after VP\", percent: 2.5, ratio: (months + 18) \/ months },\r\n  ] : [\r\n    { stage: \"Sign SPA\", percent: 10, ratio: 0 },\r\n    { stage: \"Foundation\", percent: 10, ratio: 0.12 },\r\n    { stage: \"Framework\", percent: 15, ratio: 0.24 },\r\n    { stage: \"Walls\", percent: 10, ratio: 0.36 },\r\n    { stage: \"Roof & Piping\", percent: 10, ratio: 0.48 },\r\n    { stage: \"Plastering\", percent: 10, ratio: 0.6 },\r\n    { stage: \"Sewerage\", percent: 5, ratio: 0.7 },\r\n    { stage: \"Drainage\", percent: 5, ratio: 0.75 },\r\n    { stage: \"Roads\", percent: 5, ratio: 0.8 },\r\n    { stage: \"Vacant Possession\", percent: 20, ratio: 1 },\r\n  ];\r\n\r\n  let html = \"<table border='1' cellpadding='8' style='border-collapse:collapse; width:100%;'><tr><th>Stage<\/th><th>Drawdown (RM)<\/th><th>Month<\/th><th>Interest (RM)<\/th><\/tr>\";\r\n  let totalInterest = 0;\r\n  let labels = [], data = [];\r\n\r\n  for (const item of schedule) {\r\n    const drawMonth = Math.round(months * item.ratio);\r\n    if (drawMonth > months) continue;\r\n    const drawdown = loan * (item.percent \/ 100);\r\n    const duration = months - drawMonth;\r\n    const interest = drawdown * rate * (duration \/ 12);\r\n    totalInterest += interest;\r\n    html += `<tr><td>${item.stage}<\/td><td>${drawdown.toFixed(2)}<\/td><td>${drawMonth}<\/td><td>${interest.toFixed(2)}<\/td><\/tr>`;\r\n    labels.push(item.stage);\r\n    data.push(interest.toFixed(2));\r\n  }\r\n\r\n  \/\/ Monthly repayment after construction\r\n  const monthlyRate = rate \/ 12;\r\n  const totalMonths = years * 12;\r\n  const monthlyRepayment = loan * monthlyRate \/ (1 - Math.pow(1 + monthlyRate, -totalMonths));\r\n  const totalRepayment = monthlyRepayment * totalMonths;\r\n\r\n  html += `<tr><th colspan=\"3\">Total Progressive Interest<\/th><th>${totalInterest.toFixed(2)}<\/th><\/tr>`;\r\n  html += \"<\/table>\";\r\n  html += `<p><strong>Note:<\/strong> From month ${months}, full loan monthly repayment begins.<\/p>`;\r\n  html += `<p><strong>Estimated Monthly Repayment:<\/strong> RM ${monthlyRepayment.toFixed(2)} for ${years} years<\/p>`;\r\n  html += `<p><strong>Total Interest Over Loan Period:<\/strong> RM ${(totalRepayment - loan).toFixed(2)}<\/p>`;\r\n  html += `<p><strong>Total Interest Paid (Progressive + Full Term):<\/strong> RM ${(totalRepayment - loan + totalInterest).toFixed(2)}<\/p>`;\r\n\r\n  document.getElementById(\"results\").innerHTML = html;\r\n\r\n  const ctx = document.getElementById('chart').getContext('2d');\r\n  if (window.interestChart) window.interestChart.destroy();\r\n  window.interestChart = new Chart(ctx, {\r\n    type: 'bar',\r\n    data: {\r\n      labels: labels,\r\n      datasets: [{\r\n        label: 'Interest (RM)',\r\n        data: data,\r\n        backgroundColor: '#3399cc'\r\n      }]\r\n    },\r\n    options: {\r\n      responsive: true,\r\n      plugins: {\r\n        legend: { display: false },\r\n        title: { display: true, text: 'Progressive Interest by Stage' }\r\n      }\r\n    }\r\n  });\r\n}\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\ud83e\udde0 What Is Progressive Interest in Malaysia? \u00a0 In Malaysia, when you buy a new, under-construction property, your bank doesn&#8217;t release the full loan amount at once. Instead, payments are disbursed to the developer in stages, according to the construction progress. This is mandated by either Schedule G (for landed homes) or Schedule H (for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-20198","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/jxrealtysdnbhd.com\/zh\/wp-json\/wp\/v2\/pages\/20198","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jxrealtysdnbhd.com\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/jxrealtysdnbhd.com\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/jxrealtysdnbhd.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jxrealtysdnbhd.com\/zh\/wp-json\/wp\/v2\/comments?post=20198"}],"version-history":[{"count":4,"href":"https:\/\/jxrealtysdnbhd.com\/zh\/wp-json\/wp\/v2\/pages\/20198\/revisions"}],"predecessor-version":[{"id":20202,"href":"https:\/\/jxrealtysdnbhd.com\/zh\/wp-json\/wp\/v2\/pages\/20198\/revisions\/20202"}],"wp:attachment":[{"href":"https:\/\/jxrealtysdnbhd.com\/zh\/wp-json\/wp\/v2\/media?parent=20198"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}