Property cash planner
How much cash do you need before the keys?
The deposit is only one part. Work through the loan, buying costs and the money you want left over — for your first property or your next.
Upfront cash is one part of owning a property. Check the monthly home budget or work through rental cash flow next.
What this calculation includes
Your contribution to the price is the purchase price minus the loan used towards it. The deposit is part of that contribution. If the deposit has to be paid before financing arrives and exceeds your final contribution, the planner also shows that temporary cash requirement.
Buying costs are the cash amount you enter, rather than an automatic legal-fee or tax quote. Include applicable transfer and loan stamp duties, legal fees, valuation charges, cash-paid financing or insurance charges, disbursements and other costs specific to your purchase. Subtract an exemption or a developer-paid cost only once it is confirmed.
Renovation, furniture and your chosen reserve are added separately. Monthly repayments, rental income, investment returns and loan eligibility are outside this cash plan.
Why a lower valuation changes the cash
In the worked example, a RM475,000 purchase with a RM450,000 bank valuation and assumed 90% financing produces a RM405,000 loan. The buyer contributes RM70,000 towards the price. With RM50,000 set aside, the gap is RM20,000 before buying costs.
The percentage mode models financing against the lower of the price and bank valuation. Hong Leong Bank describes this basis for housing-loan margins, subject to eligibility. It does not establish the loan any particular buyer will receive. Use your lender’s confirmed amount when available.
Read the lender’s financing explanation ↗Source checked 14 September 2026. The figures above are an illustration.
Next, check the property behind the numbers.
Explore recorded sales by area and property type, or inspect an auction’s source.