Construction Equipment Financing 2026 - Budget Breakdown Malaysia

2026 Construction Equipment Budget

Construction companies need equipment. Excavators, lorries, rollers, cranes. Major investment. Smart financing preserves cash. Budget planning essential.

This guide breaks down construction equipment costs. Financing options. Real numbers for 2026 budgeting.

Construction Equipment Prices

Earthmoving Equipment

• Mini excavator (3-ton): RM180,000 - RM220,000
• Komatsu PC200: RM340,000 - RM380,000
• CAT 320: RM450,000 - RM520,000
• Bulldozer: RM400,000 - RM550,000

Transport Equipment

• 5-ton lorry: RM120,000 - RM150,000
• 10-ton lorry: RM180,000 - RM220,000
• Prime mover: RM250,000 - RM320,000
• Tipper truck: RM200,000 - RM280,000

Support Equipment

• 3-ton forklift: RM55,000 - RM75,000
• 500 kVA generator: RM70,000 - RM120,000
• Road roller: RM150,000 - RM220,000
• Mobile crane: RM350,000 - RM550,000

Bank Construction Equipment Loans

Bank Terms for Construction

• Interest rate: 4.6% - 6.0%
• Maximum loan: 90%
• Down payment: 10% - 20%
• Equipment age: 5 years maximum
• Processing: 3 - 4 weeks

Real Bank Example

Equipment: Komatsu PC200 (RM350,000)

Bank Offer:
• Down payment: RM35,000 - RM70,000
• Loan amount: RM280,000 - RM315,000
• Monthly payment: RM4,500 - RM5,200
• Interest over 7 years: RM115,000 - RM145,000

Problem: Large cash needed upfront. Used equipment rejected.

Ing Heng Construction Equipment Financing

Our Construction Terms

• Interest rate: Competitive rates
• Maximum loan: 100%
• Down payment: 0%
• Equipment age: No limit
• Processing: 24 - 48 hours

Same Equipment with Us

Equipment: Komatsu PC200 (RM350,000)

Ing Heng Offer:
• Down payment: RM0
• Loan amount: RM350,000
• Monthly payment: RM4,900
• Cash preserved: RM35,000 - RM70,000

Construction Budget Scenarios

Small Contractor Starter Package

Equipment: Used mini excavator + used 5-ton lorry

• Used mini excavator: RM120,000
• Used lorry: RM80,000
• Total: RM200,000

Bank: Rejected both (used equipment)
Ing Heng: Approved 100% financing, 0% down

Medium Contractor Fleet

Equipment: New excavator + 2 lorries + forklift

• New excavator: RM350,000
• 2 × 5-ton lorries: RM270,000
• 3-ton forklift: RM65,000
• Total: RM685,000

Bank: RM68,500 - RM137,000 down payment
Ing Heng: 0% down, full financing

Large Contractor Expansion

Equipment: 3 excavators + 5 lorries + support equipment

• 3 × excavators: RM1,050,000
• 5 × lorries: RM675,000
• Support equipment: RM300,000
• Total: RM2,025,000

Bank: RM202,500 - RM405,000 down payment
Ing Heng: 0% down, preserve RM400k for operations

Why 0% Down for Construction

Construction is cash-intensive. Fuel, wages, materials, rental, permits. Every RM matters.

RM50,000 down payment = 2 months fuel for fleet. Or 1 month wages. Or materials for small project.

0% down = Equipment deployed immediately. Cash preserved for operations. Project starts on time.

Used Construction Equipment

Used equipment costs 40-60% less. Same functionality. Proven workhorses. Banks reject over 5 years.

We finance used equipment based on condition. Komatsu, CAT, Hitachi, Kobelco. Any age. Any brand.

2026 Construction Budget Tips

• Mix new and used equipment
• Use 0% down payment always
• Finance for 7 years for excavators
• Claim capital allowance deductions
• Plan equipment replacement cycles