i have a 1650k of house loan for 30 years and already paid monthly installment for 5 years.
now i'm thinking to sell the property, may i know how will the remaining loan be calculated so that i can know how much profit i can make?

is it
1) pay the remaining loan + penalty?
2) or pay the remaining loan + remaining interest + penanlty?

Mostly housing loans have a "holding period" to deter borrowers from switching. This period normally, would not exceed 5 years. Penalty will be levied as a % of the principal amount if you redeem the loan within the holding period. In your case since you have already been paying for 5 years, there should not be any penalty. Check with your bank what is the outstanding principal amount. Unlike car hire-purchase, there's no "remaining interest" that you will need to pay

In most cases (unless you have a lot of spare cash lying around), part of the process of selling the mortgaged property involves the buyer settling the outstanding loan in order to have the title or strata title discharged. So, there's really no need for you to settle anything directly with your bank....unless the amount (the proceeds from the sale) is less than your outstanding loan.

Just make sure you use a good lawyer to transact on your behalf

selling price - [ remaining loan + penalty (if any ) + agent's fee (if any) + initial cost to get the house ( reno , SPA, downpayment, loan fees...) ] = profit / loss

If you have such a big amount of loan, i guess the bank should treat u pretty well, no?
Give them a call, ask for the settlement amount.
That is the 'final sum' you have to 'pay' them.

After lock in period, there are no more penalty.
Housing loan and car loan is different, there is no more remaining interest that you need to bear as the interest are calculated daily/monthly

icic, thanks for all the help
now can relax abit