New build

Developer package calculator

Work out what a developer package is really worth, and why a rebate costs more than the same value taken as a discount.

Deterministic formula Malaysia-specific Private in your browser

Your inputs

List priceRMSizesq ftDown payment%Or a fixed down paymentRMBooking fee already paidRMInterest rate%Loan tenureyears

Start from a worked example

Compare margins of finance

Bank offers, if you have them

What the developer is offering

Estimate

Effective priceRM 586,625

SPA price (loan and duty basis)RM 617,500

Package valueRM 75,375 · 11.6%

Effective PSFRM 587 psf

SPA PSFRM 618 psf

Loan amountRM 555,750

Monthly instalmentRM 2,718

Upfront duty and feesRM 30,675

Cash needed at SPA signingRM 80,425

Package cash in hand by thenRM 0

Rebates arriving after signingRM 30,875

Extra cost vs taking it as a discountRM 1,699

From the advertised price to what you pay a price you could be quoted taken off

List priceRM 650,000

Price discounts−RM 32,500

SPA priceRM 617,500

Cash rebates−RM 30,875

Effective priceRM 586,625

Explain this calculation with AI

Planning estimate only. Banks and authorities may use different rules. Rates config 2026.1, reviewed 2026-07-27.

How it works

Transparent assumptions, not a mystery score.

Every result uses deterministic functions separated from the interface. Official-rate calculators read from a single dated configuration, so regulatory changes can be reviewed and updated without rewriting the UI.

PropTools.myMalaysian property research

New build

Developer package calculator

Effective priceRM 586,625

SPA price (loan and duty basis)RM 617,500

Package valueRM 75,375 · 11.6%

What was entered

List price	RM 650,000
Size	1000 sq ft
Down payment	10%
Interest rate	4.2%
Loan tenure	30 years

The package

Item	Terms	Amount
Early-bird discount	Price discount · confirmed · paid after SPA	5%
Cash rebate	Cash rebate · confirmed · paid after SPA	5%
Legal fees absorbed	Fees absorbed · confirmed · paid after SPA	RM 12,000

Estimate

Effective price	RM 586,625
SPA price (loan and duty basis)	RM 617,500
Package value	RM 75,375 · 11.6%
Effective PSF	RM 587 psf
SPA PSF	RM 618 psf
Loan amount	RM 555,750
Monthly instalment	RM 2,718
Upfront duty and fees	RM 30,675
Cash needed at SPA signing	RM 80,425
Package cash in hand by then	RM 0
Rebates arriving after signing	RM 30,875
Extra cost vs taking it as a discount	RM 1,699

A rebate is paid on the full list price, so stamp duty, legal fees and the loan are all sized on the higher figure. The same value taken as a price discount costs less.

Planning estimate only. Banks, developers and authorities may apply different rules to the same figures. Nothing here is a quotation, an offer or advice. Rates configuration 2026.1, reviewed 2026-07-27.

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