RM 500,000 Business Loan Comparison
Live bank offers updated 14 April 2025. All rates are for 10 year tenure, unsecured working capital loan for registered Sdn Bhd.
RECOMMENDED
Maybank
MOST SAVINGS5.5% p.a.
RM 500,000 | 120 Months
Monthly Payment
RM 5,426
Total Interest
RM 151,120
Effective Rate (EAR)
5.64%
Processing Fee
1.0%
Public Bank
5.6% p.a.
RM 500,000 | 120 Months
Monthly Payment
RM 5,451
Total Interest
RM 154,120
Effective Rate (EAR)
5.75%
Processing Fee
1.25%
CIMB Bank
5.8% p.a.
RM 500,000 | 120 Months
Monthly Payment
RM 5,501
Total Interest
RM 160,120
Effective Rate (EAR)
5.96%
Processing Fee
1.0%
RHB Bank
6.0% p.a.
RM 500,000 | 120 Months
Monthly Payment
RM 5,552
Total Interest
RM 166,240
Effective Rate (EAR)
6.17%
Processing Fee
1.5%
Loan ROI Analysis
Projected additional monthly business revenue from loan
RM 21,500
Total monthly loan obligation
RM 5,426
Net monthly cash surplus
+ RM 16,074
Total loan cost (principal + interest)
RM 651,120
Estimated Payback Period
28 Months
FINAL VERDICT
GRADE A
Worth It ✅
This loan will generate positive net return for your business.
* Calculations assume on-time full repayments. Rates subject to final credit assessment. This is not financial advice. Prepared for Malaysian SME owners.