Home Loan Calculator Malaysia

Buying as:

1. Property You Want to Buy

Target property price, developer rebate, and loan terms

Loan: RM 270,000
10% Downpayment (RM 30,000)
RM
Quick select price:
%
%
yrs

Offsets downpayment; excess rebate becomes cashback

% off
-RM 0

2. Monthly Income Line Items

Select income type, check/uncheck to include in DSR, or add more income sources

Net Take-Home: RM 4,307/mo
RM
Bank:
+RM 5,000/mo
EPF (11%): -RM 550·SOCSO/EIS: -RM 35·PCB Tax: -RM 108

3. Existing Monthly Commitments

Manage your existing housing loans and other banking commitments recorded in CCRIS

Total Existing Debt: RM 0/mo
Existing Housing Loans (Mortgages)0 loans · Standard 90% margin
Mortgages: RM 0/mo
No existing housing loans. Qualifies for standard 90% loan margin.
Other Commitments (Car, Credit Card, PTPTN, Personal Loans)
Other Debts: RM 0/mo
No other commitments added. (Zero car loan, credit card, or personal loan).RM 0/mo
Total Monthly Commitments Counted by BankRM 0/mo
Estimated Loan Eligibility
High Approval Chance
New DSR (Net Pay)
27.2%
Monthly Installment
RM 1,171/mo

Great news! Your total monthly commitments take up 27.2% of your net income, well within the 70% limit used by most Malaysian banks.

Monthly Net Pay UsageRM 1,171 / RM 4,307
Existing: 0%New Home: +27%70% Bank Limit
Take-Home Net Pay
RM 4,307/mo
After EPF, SOCSO & Tax
Cash Left After Loans
RM 3,136/mo
Min buffer RM 1,450
Estimated Upfront CashRM 37,775
Net Downpayment: RM 30,000Legal & Stamp: RM 7,775
Max Property (at 70% DSR)
RM 772,206
Maybank / Maybank IslamicMBB~3.85% p.a.
MaxiHome / MaxiHome-i·Local Commercial & Islamic

Strong margin below 65% DSR cap with RM 3,136/mo net disposable buffer.

Approved
DSR / Cap
27.2% / 65%
Installment
RM 1,171
Max Property
RM 717,082
CIMB Bank / CIMB IslamicCIMB~3.90% p.a.
HomeFlexi / HomeFlexi-i·Local Commercial & Islamic

Strong margin below 70% DSR cap with RM 3,128/mo net disposable buffer.

Approved
DSR / Cap
27.4% / 70%
Installment
RM 1,179
Max Property
RM 766,984
Public Bank / Public IslamicPBB~3.80% p.a.
5 HOME Plan / ABBA Home-i·Local Commercial & Islamic

Strong margin below 65% DSR cap with RM 3,144/mo net disposable buffer.

Approved
DSR / Cap
27.0% / 65%
Installment
RM 1,163
Max Property
RM 722,014
RHB Bank / RHB IslamicRHB~3.92% p.a.
My1 Full Flexi / Equity Home-i·Local Commercial & Islamic

Strong margin below 75% DSR cap with RM 3,124/mo net disposable buffer.

Approved
DSR / Cap
27.5% / 75%
Installment
RM 1,183
Max Property
RM 819,531
Hong Leong Bank / HLISBHLB~3.88% p.a.
MortgagePlus / CM Flexi-i·Local Commercial & Islamic

Strong margin below 70% DSR cap with RM 3,131/mo net disposable buffer.

Approved
DSR / Cap
27.3% / 70%
Installment
RM 1,176
Max Property
RM 769,081
AmBank / AmBank IslamicAMB~3.95% p.a.
HomeLink / HomeLink-i·Local Commercial & Islamic

Strong margin below 70% DSR cap with RM 3,120/mo net disposable buffer.

Approved
DSR / Cap
27.6% / 70%
Installment
RM 1,187
Max Property
RM 761,780
Bank Islam MalaysiaBIMB~3.85% p.a.
Baiti Home Financing-i·Full Islamic Bank

Strong margin below 70% DSR cap with RM 3,136/mo net disposable buffer.

Approved
DSR / Cap
27.2% / 70%
Installment
RM 1,171
Max Property
RM 772,242
Alliance Bank / Alliance IslamicABMB~3.92% p.a.
SaveLink / SaveLink-i·Local Commercial & Islamic

Strong margin below 70% DSR cap with RM 3,124/mo net disposable buffer.

Approved
DSR / Cap
27.5% / 70%
Installment
RM 1,183
Max Property
RM 764,897
Affin Bank / Affin IslamicAFFIN~3.95% p.a.
Affin Home Assist / Home Step Fast-i·Local Commercial & Islamic

Strong margin below 75% DSR cap with RM 3,120/mo net disposable buffer.

Approved
DSR / Cap
27.6% / 75%
Installment
RM 1,187
Max Property
RM 816,193
Bank RakyatBKRM~3.88% p.a.
Pembiayaan Perumahan-i Manzili·Development & Statutory (DFI)

Strong margin below 70% DSR cap with RM 3,131/mo net disposable buffer.

Approved
DSR / Cap
27.3% / 70%
Installment
RM 1,176
Max Property
RM 769,081
Bank Muamalat MalaysiaBMMB~3.92% p.a.
Smart Mortgage Solution-i·Full Islamic Bank

Strong margin below 70% DSR cap with RM 3,124/mo net disposable buffer.

Approved
DSR / Cap
27.5% / 70%
Installment
RM 1,183
Max Property
RM 764,897
BSN (Bank Simpanan Nasional)BSN~3.85% p.a.
BSN MyHome / Youth Housing Scheme·Development & Statutory (DFI)

Strong margin below 70% DSR cap with RM 3,136/mo net disposable buffer.

Approved
DSR / Cap
27.2% / 70%
Installment
RM 1,171
Max Property
RM 772,242
MBSB BankMBSB~3.98% p.a.
Stylo Home Financing-i / Ultimate Home-i·Full Islamic Bank

Strong margin below 75% DSR cap with RM 3,115/mo net disposable buffer.

Approved
DSR / Cap
27.7% / 75%
Installment
RM 1,192
Max Property
RM 812,874
OCBC Bank / OCBC Al-AminOCBC~3.85% p.a.
OCBC Home Loan / Manarat Home-i·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 3,136/mo net disposable buffer.

Approved
DSR / Cap
27.2% / 70%
Installment
RM 1,171
Max Property
RM 772,242
UOB MalaysiaUOB~3.86% p.a.
UOB Intelligent Home Loan / Flexi Mortgage·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 3,134/mo net disposable buffer.

Approved
DSR / Cap
27.2% / 70%
Installment
RM 1,173
Max Property
RM 771,187
HSBC Bank / HSBC Amanah MalaysiaHSBC~3.88% p.a.
HSBC HomeSmart / HomeSmart-i·Foreign Bank Malaysia

Strong margin below 60% DSR cap with RM 3,131/mo net disposable buffer.

Approved
DSR / Cap
27.3% / 60%
Installment
RM 1,176
Max Property
RM 659,212
Standard Chartered / Saadiq MalaysiaSCB~3.88% p.a.
MortgageOne / Saadiq MyHome-i·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 3,131/mo net disposable buffer.

Approved
DSR / Cap
27.3% / 70%
Installment
RM 1,176
Max Property
RM 769,081
Agrobank MalaysiaAGRO~3.90% p.a.
Agrobank Hartani-i / Perumahan-i·Development & Statutory (DFI)

Strong margin below 70% DSR cap with RM 3,128/mo net disposable buffer.

Approved
DSR / Cap
27.4% / 70%
Installment
RM 1,179
Max Property
RM 766,984
Al Rajhi Bank MalaysiaARBM~3.95% p.a.
Al Rajhi Home Financing-i·Full Islamic Bank

Strong margin below 70% DSR cap with RM 3,120/mo net disposable buffer.

Approved
DSR / Cap
27.6% / 70%
Installment
RM 1,187
Max Property
RM 761,780
Kuwait Finance House Malaysia (KFH)KFH~3.95% p.a.
KFH Murabahah Home Financing-i·Full Islamic Bank

Strong margin below 70% DSR cap with RM 3,120/mo net disposable buffer.

Approved
DSR / Cap
27.6% / 70%
Installment
RM 1,187
Max Property
RM 761,780
Bank of China (Malaysia)BOCM~3.82% p.a.
BOC Flexi Housing Loan·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 3,140/mo net disposable buffer.

Approved
DSR / Cap
27.1% / 70%
Installment
RM 1,167
Max Property
RM 775,423
ICBC MalaysiaICBC~3.85% p.a.
ICBC Residential Housing Loan·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 3,136/mo net disposable buffer.

Approved
DSR / Cap
27.2% / 70%
Installment
RM 1,171
Max Property
RM 772,242
LPPSA (Public Sector Housing Board)LPPSA~4.00% p.a.
Skim Pembiayaan Perumahan Sektor Awam·Development & Statutory (DFI)

Strong margin below 75% DSR cap with RM 3,112/mo net disposable buffer.

Approved
DSR / Cap
27.7% / 75%
Installment
RM 1,195
Max Property
RM 810,673

Malaysia Home Loan & DSR Calculator Guide (FAQ)

How Malaysian banks calculate Debt Service Ratio (DSR), net pay, and upfront cash.

Full DSR Calculation GuideLegal Fees & MOT Table
How is Debt Service Ratio (DSR) calculated for a home loan in Malaysia?▼

Malaysian banks divide your total monthly debt by your net monthly income. Total debt includes car loans, PTPTN, personal loans, credit cards, and your new mortgage. Net income is your salary after EPF, SOCSO, EIS, and PCB tax deductions.

What is the maximum DSR limit for Malaysian banks?▼

Most Malaysian banks cap DSR between 60% and 70% DSR for salaries below RM 5,000. Higher earners or joint buyers can qualify for 75% to 85% DSR limits. Applicants must also meet the bank's minimum Net Disposable Income (NDI) buffer.

How much upfront cash is needed to buy a house in Malaysia?▼

Standard purchases require a 10% cash downpayment for a 90% home loan. Buyers also pay SPA legal fees, loan legal fees, and MOT stamp duty. First-time buyers enjoy 100% stamp duty exemption on homes up to RM 500,000.

How do Malaysian banks treat variable income, commissions, and rental?▼

Banks recognize 100% of your basic salary and fixed contractual allowances. Variable commissions, overtime, and annual bonuses are typically recognized at 70% to 80%. Rental income also counts at 80% when supported by a stamped tenancy agreement.

Est. DSR
27.2%
Installment
RM 1,171/mo