Monthly Installment for a RM 350,000 House in Malaysia (2026 Breakdown)
Buying a RM 350,000 home with a 90% loan (RM 315,000 principal) requires a monthly installment of RM 1,366/month over 35 years at 3.85% p.a. Applicants earning RM 3,800 to RM 4,200 gross per month typically pass DSR and NDI checks across major Malaysian banks.
Stamp Duty Note: 100% Free MOT & Loan Stamp Duty for First-Time Home Buyers (saves RM 7,575). Standard buyers pay RM 6,000 MOT + RM 1,575 loan stamp duty.
| Loan Tenure | 90% Loan (RM 315,000) @ 3.85% | 70% Loan / 3rd House (RM 245,000) @ 3.85% | Recommended Gross Salary (90% Loan) |
|---|---|---|---|
| 25 Years Tenure | RM 1,637/mo | RM 1,273/mo | ~RM 3,900/mo |
| 30 Years Tenure | RM 1,477/mo | RM 1,149/mo | ~RM 3,500/mo |
| 35 Years Tenure | RM 1,367/mo | RM 1,063/mo | ~RM 3,300/mo |
1. Home Loan Installment Calculator
SPA property price, margin of finance, interest rate, tenure & developer rebate
Offsets downpayment; excess rebate becomes cashback
2. Check Your DSR – Monthly Income
Gross salary, automatic EPF/SOCSO/PCB net pay, variable commissions & rental
3. Existing Monthly Commitments (CCRIS)
Existing housing loans, hire purchase car loans, PTPTN, personal loans & credit cards
Great news! Your total monthly commitments take up 40.9% of your net income, well within the 70% limit used by most Malaysian banks.
Exceeds MBB's 40% DSR ceiling by 0.9%.
Strong margin below 70% DSR cap with RM 1,970/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 1,989/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 1,966/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 1,974/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 1,961/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 1,979/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 1,966/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 1,961/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 1,974/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 1,966/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 1,979/mo net disposable buffer.
Strong margin below 75% DSR cap with RM 1,955/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 1,979/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 1,978/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 1,974/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 1,974/mo net disposable buffer.
Strong margin below 70% DSR cap with RM 1,970/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 1,961/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 1,961/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 1,985/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 1,979/mo net disposable buffer.
Strong margin below 60% DSR cap with RM 1,951/mo net disposable buffer.