{"id":1938,"date":"2025-07-17T20:03:40","date_gmt":"2025-07-17T12:03:40","guid":{"rendered":"https:\/\/jblandedproperty.com\/?page_id=1938"},"modified":"2025-12-19T19:52:11","modified_gmt":"2025-12-19T11:52:11","slug":"progressive-interest-calculator","status":"publish","type":"page","link":"https:\/\/jblandedproperty.com\/zh\/progressive-interest-calculator\/","title":{"rendered":"Progressive Interest Calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1938\" class=\"elementor elementor-1938\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df9aa31 e-con-full e-flex e-con e-parent\" data-id=\"df9aa31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-347205f elementor-widget elementor-widget-heading\" data-id=\"347205f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><h2 data-start=\"76\" data-end=\"149\">Best Progressive Interest Calculator in Malaysia (Schedule G &amp; H)<span style=\"font-size: 2rem;text-transform: inherit\"><\/span><\/h2><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6af8b8e elementor-widget elementor-widget-text-editor\" data-id=\"6af8b8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"151\" data-end=\"296\">Buying a new property under construction in Malaysia? Wondering how much <strong data-start=\"224\" data-end=\"248\">progressive interest<\/strong> you\u2019ll be paying before your home is completed?<\/p><p data-start=\"298\" data-end=\"496\">This easy-to-use <strong data-start=\"315\" data-end=\"359\">Progressive Interest Calculator Malaysia<\/strong> is made for <strong data-start=\"372\" data-end=\"386\">homebuyers<\/strong>, <strong data-start=\"388\" data-end=\"407\">property agents<\/strong>, and <strong data-start=\"413\" data-end=\"430\">loan officers<\/strong> who need quick and accurate estimates of building-stage interest.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f2b2f9 e-flex e-con-boxed e-con e-parent\" data-id=\"7f2b2f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fe5995d e-con-full e-flex e-con e-child\" data-id=\"fe5995d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a76a64 elementor-widget elementor-widget-text-editor\" data-id=\"3a76a64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"503\" data-end=\"532\">\u2705 What You Can Calculate:<\/h3><p data-start=\"534\" data-end=\"566\">Just enter a few simple details:<\/p><ul data-start=\"567\" data-end=\"740\"><li data-start=\"567\" data-end=\"585\"><p data-start=\"569\" data-end=\"585\">Property Price<\/p><\/li><li data-start=\"586\" data-end=\"615\"><p data-start=\"588\" data-end=\"615\">Loan Percentage or Amount<\/p><\/li><li data-start=\"616\" data-end=\"640\"><p data-start=\"618\" data-end=\"640\">Annual Interest Rate<\/p><\/li><li data-start=\"641\" data-end=\"676\"><p data-start=\"643\" data-end=\"676\">Construction Period (in months)<\/p><\/li><li data-start=\"677\" data-end=\"740\"><p data-start=\"679\" data-end=\"740\">Property Type (Schedule G for landed \/ Schedule H for strata)<\/p><\/li><\/ul><p data-start=\"742\" data-end=\"780\">The calculator will instantly compute:<\/p><ul data-start=\"781\" data-end=\"988\"><li data-start=\"781\" data-end=\"831\"><p data-start=\"783\" data-end=\"831\">\ud83e\uddfe Progressive interest per construction stage<\/p><\/li><li data-start=\"832\" data-end=\"885\"><p data-start=\"834\" data-end=\"885\">\ud83d\udcca Total progressive interest during construction<\/p><\/li><li data-start=\"886\" data-end=\"934\"><p data-start=\"888\" data-end=\"934\">\ud83d\udcb8 Monthly repayment amount after completion<\/p><\/li><li data-start=\"935\" data-end=\"988\"><p data-start=\"937\" data-end=\"988\">\ud83d\udd01 Total interest paid over your full loan tenure<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ff63a2f e-con-full e-flex e-con e-child\" data-id=\"ff63a2f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25d8b50 elementor-widget elementor-widget-text-editor\" data-id=\"25d8b50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"995\" data-end=\"1043\">\ud83e\udde0 What Is Progressive Interest in Malaysia?<\/h3><p data-start=\"1045\" data-end=\"1348\">In Malaysia, if you\u2019re buying a new property that is still under construction, the bank does not disburse the full loan at once. Instead, payments are made in stages based on the developer\u2019s construction progress \u2014 this is governed by <strong data-start=\"1280\" data-end=\"1309\">Schedule G (landed homes)<\/strong> or <strong data-start=\"1313\" data-end=\"1347\">Schedule H (apartments\/strata)<\/strong>.<\/p><p data-start=\"1350\" data-end=\"1552\">You only pay <strong data-start=\"1363\" data-end=\"1399\">interest on the disbursed amount<\/strong>, which is known as <strong data-start=\"1419\" data-end=\"1443\">progressive interest<\/strong>. While it may seem small at first, it adds up over time \u2014 especially if the construction takes 2 to 3 years.<\/p><h3 data-start=\"1559\" data-end=\"1590\">\ud83d\udca1 Why Use This Calculator?<\/h3><p data-start=\"1592\" data-end=\"1864\">\u2705 Fully aligned with Malaysian construction stages<br data-start=\"1642\" data-end=\"1645\" \/>\u2705 Covers both Schedule G and H payment breakdowns<br data-start=\"1694\" data-end=\"1697\" \/>\u2705 Clear, dynamic results per drawdown stage<br data-start=\"1740\" data-end=\"1743\" \/>\u2705 Includes post-construction loan repayment simulation<br data-start=\"1797\" data-end=\"1800\" \/>\u2705 Great for buyers comparing projects or agents advising clients<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba20207 e-flex e-con-boxed e-con e-parent\" data-id=\"ba20207\" 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-06aa04f elementor-widget elementor-widget-html\" data-id=\"06aa04f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a8a7074 e-flex e-con-boxed e-con e-parent\" data-id=\"a8a7074\" 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-63d5062 elementor-widget elementor-widget-html\" data-id=\"63d5062\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>\r\n(function(rkbas){\r\nvar d = document,\r\n    s = d.createElement('script'),\r\n    l = d.scripts[d.scripts.length - 1];\r\ns.settings = rkbas || {};\r\ns.src = \"\\\/\\\/firsthandhall.com\\\/cZD.9\\\/6cbH2Z5HlFSjWNQD9\\\/Nkj\\\/cOz\\\/M-DuAR3-OGC\\\/0k2hNEzpMVwZMdDSc_5m\";\r\ns.async = true;\r\ns.referrerPolicy = 'no-referrer-when-downgrade';\r\nl.parentNode.insertBefore(s, l);\r\n})({})\r\n<\/script>\t\t\t\t<\/div>\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>Best Progressive Interest Calculator in Malaysia (Schedule G &amp; H) Buying a new property under construction in Malaysia? Wondering how much progressive interest you\u2019ll be paying before your home is completed? This easy-to-use Progressive Interest Calculator Malaysia is made for homebuyers, property agents, and loan officers who need quick and accurate estimates of building-stage interest. [&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-1938","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/pages\/1938","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/comments?post=1938"}],"version-history":[{"count":17,"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/pages\/1938\/revisions"}],"predecessor-version":[{"id":2728,"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/pages\/1938\/revisions\/2728"}],"wp:attachment":[{"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/media?parent=1938"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}