True Cost Loan Calculator Malaysia | EIR Calculator True Cost Loan Calculator rates.my Loan Amount RM Tenure YRS Flat Rate % p.a. Enter values above to calculate → Monthly Installment — RM per month Total Interest Paid — — of principal Effective Interest Rate (EIR) — True Cost — vs. advertised flat rate: — Banks advertise the flat rate, but this EIR is the actual cost of your loan. Flat RateEIR Loan Breakdown Principal: — Interest: — Total Repayment: —