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T20 Entry & RM 1 Million Property Qualification Tier·Rates Last Updated: October 2026

RM 10,000 Salary: How Much House Loan Can I Get in Malaysia? (2026)

At RM 10,000 gross monthly salary, your net statutory income after EPF (RM 1,100), SOCSO/EIS (RM 41.65), and LHDN PCB tax (~RM 675) is approximately RM 8,183/month. Because your net income exceeds RM 8,000, you unlock the top DSR tier across Maybank (80%), CIMB (85%), RHB (90%), AmBank (85%), and UOB (80%). With RM 1,100 in existing debt, you can comfortably finance a RM 950,000 to RM 1,150,000 property.

Buying as:

1. Home Loan Installment Calculator

SPA property price, margin of finance, interest rate, tenure & developer rebate

Loan: RM 855,000
10% Downpayment (RM 95,000)
RM
Quick select price:
%
%
yrs

Offsets downpayment; excess rebate becomes cashback

% off
-RM 0

2. Check Your DSR – Monthly Income

Gross salary, automatic EPF/SOCSO/PCB net pay, variable commissions & rental

Net Take-Home: RM 7,936/mo
RM
Bank:
+RM 10,000/mo
EPF (11%): -RM 1,100·SOCSO/EIS: -RM 42·PCB Tax: -RM 922

3. Existing Monthly Commitments (CCRIS)

Existing housing loans, hire purchase car loans, PTPTN, personal loans & credit cards

Total Existing Debt: RM 1,100/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 1,100/mo
RM
CCRIS:
RM 1,100/mo
Total Monthly Commitments Counted by BankRM 1,100/mo
Estimated Loan Eligibility
High Approval Chance
New DSR (Net Pay)
60.6%
Monthly Installment
RM 3,709/mo

Great news! Your total monthly commitments take up 60.6% of your net income, well within the 70% limit used by most Malaysian banks.

Monthly Net Pay UsageRM 4,809 / RM 7,936
Existing: 14%New Home: +47%70% Bank Limit
Take-Home Net Pay
RM 7,936/mo
After EPF, SOCSO & Tax
Cash Left After Loans
RM 3,127/mo
Min buffer RM 1,450
Estimated Upfront CashRM 144,275
Net Downpayment: RM 95,000Legal & Stamp: RM 49,275
Max Property (at 70% DSR)
RM 1,141,020
Rates last updated: October 2026Source: Bank Negara Malaysia Standardized Base Rate (SBR = 3.00% / OPR 3.00%) & Official Bank Product Disclosure Sheets (PDS)
How rates & DSR caps are verified →
Maybank / Maybank Islamic(MBB)~3.85% p.a.
MaxiHome / MaxiHome-i·Local Commercial & Islamic

Strong margin below 70% DSR cap with RM 3,127/mo net disposable buffer.

Approved
DSR / Cap
60.6% / 70%
Installment
RM 3,709
Max Property
RM 1,141,133
Maybank DSR Guide →
CIMB Bank / CIMB Islamic(CIMB)~3.90% p.a.
HomeFlexi / HomeFlexi-i·Local Commercial & Islamic

Strong margin below 80% DSR cap with RM 3,101/mo net disposable buffer.

Approved
DSR / Cap
60.9% / 80%
Installment
RM 3,735
Max Property
RM 1,335,247
CIMB Bank DSR Guide →
Public Bank / Public Islamic(PBB)~3.80% p.a.
5 HOME Plan / ABBA Home-i·Local Commercial & Islamic

Strong margin below 70% DSR cap with RM 3,152/mo net disposable buffer.

Approved
DSR / Cap
60.3% / 70%
Installment
RM 3,684
Max Property
RM 1,148,983
Public Bank DSR Guide →
RHB Bank / RHB Islamic(RHB)~3.92% p.a.
My1 Full Flexi / Equity Home-i·Local Commercial & Islamic

Strong margin below 80% DSR cap with RM 3,091/mo net disposable buffer.

Approved
DSR / Cap
61.0% / 80%
Installment
RM 3,745
Max Property
RM 1,331,611
RHB Bank DSR Guide →
Hong Leong Bank / HLISB(HLB)~3.88% p.a.
MortgagePlus / CM Flexi-i·Local Commercial & Islamic

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

Approved
DSR / Cap
60.8% / 75%
Installment
RM 3,724
Max Property
RM 1,237,679
Hong Leong Bank DSR Guide →
AmBank / AmBank Islamic(AMB)~3.95% p.a.
HomeLink / HomeLink-i·Local Commercial & Islamic

Strong margin below 80% DSR cap with RM 3,076/mo net disposable buffer.

Approved
DSR / Cap
61.2% / 80%
Installment
RM 3,760
Max Property
RM 1,326,187
AmBank DSR Guide →
Bank Islam Malaysia(BIMB)~3.85% p.a.
Baiti Home Financing-i·Full Islamic Bank

Strong margin below 75% DSR cap with RM 3,127/mo net disposable buffer.

Approved
DSR / Cap
60.6% / 75%
Installment
RM 3,709
Max Property
RM 1,242,767
Bank Islam DSR Guide →
Alliance Bank / Alliance Islamic(ABMB)~3.92% p.a.
SaveLink / SaveLink-i·Local Commercial & Islamic

Strong margin below 80% DSR cap with RM 3,091/mo net disposable buffer.

Approved
DSR / Cap
61.0% / 80%
Installment
RM 3,745
Max Property
RM 1,331,611
Alliance Bank DSR Guide →
Affin Bank / Affin Islamic(AFFIN)~3.95% p.a.
Affin Home Assist / Home Step Fast-i·Local Commercial & Islamic

Strong margin below 80% DSR cap with RM 3,076/mo net disposable buffer.

Approved
DSR / Cap
61.2% / 80%
Installment
RM 3,760
Max Property
RM 1,326,187
Affin Bank DSR Guide →
Bank Rakyat(BKRM)~3.88% p.a.
Pembiayaan Perumahan-i Manzili·Development & Statutory (DFI)

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

Approved
DSR / Cap
60.8% / 75%
Installment
RM 3,724
Max Property
RM 1,237,679
Bank Rakyat DSR Guide →
Bank Muamalat Malaysia(BMMB)~3.92% p.a.
Smart Mortgage Solution-i·Full Islamic Bank

Strong margin below 80% DSR cap with RM 3,091/mo net disposable buffer.

Approved
DSR / Cap
61.0% / 80%
Installment
RM 3,745
Max Property
RM 1,331,611
Bank Muamalat DSR Guide →
BSN (Bank Simpanan Nasional)(BSN)~3.85% p.a.
BSN MyHome / Youth Housing Scheme·Development & Statutory (DFI)

Strong margin below 75% DSR cap with RM 3,127/mo net disposable buffer.

Approved
DSR / Cap
60.6% / 75%
Installment
RM 3,709
Max Property
RM 1,242,767
BSN DSR Guide →
MBSB Bank(MBSB)~3.98% p.a.
Stylo Home Financing-i / Ultimate Home-i·Full Islamic Bank

Strong margin below 80% DSR cap with RM 3,061/mo net disposable buffer.

Approved
DSR / Cap
61.4% / 80%
Installment
RM 3,775
Max Property
RM 1,320,794
MBSB Bank DSR Guide →
OCBC Bank / OCBC Al-Amin(OCBC)~3.85% p.a.
OCBC Home Loan / Manarat Home-i·Foreign Bank Malaysia

Strong margin below 75% DSR cap with RM 3,127/mo net disposable buffer.

Approved
DSR / Cap
60.6% / 75%
Installment
RM 3,709
Max Property
RM 1,242,767
OCBC Bank DSR Guide →
UOB Malaysia(UOB)~3.86% p.a.
UOB Intelligent Home Loan / Flexi Mortgage·Foreign Bank Malaysia

Strong margin below 80% DSR cap with RM 3,122/mo net disposable buffer.

Approved
DSR / Cap
60.7% / 80%
Installment
RM 3,714
Max Property
RM 1,342,562
UOB Malaysia DSR Guide →
HSBC Bank / HSBC Amanah Malaysia(HSBC)~3.88% p.a.
HSBC HomeSmart / HomeSmart-i·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 3,112/mo net disposable buffer.

Approved
DSR / Cap
60.8% / 70%
Installment
RM 3,724
Max Property
RM 1,136,462
HSBC Malaysia DSR Guide →
Standard Chartered / Saadiq Malaysia(SCB)~3.88% p.a.
MortgageOne / Saadiq MyHome-i·Foreign Bank Malaysia

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

Approved
DSR / Cap
60.8% / 75%
Installment
RM 3,724
Max Property
RM 1,237,679
Standard Chartered DSR Guide →
Agrobank Malaysia(AGRO)~3.90% p.a.
Agrobank Hartani-i / Perumahan-i·Development & Statutory (DFI)

Strong margin below 75% DSR cap with RM 3,101/mo net disposable buffer.

Approved
DSR / Cap
60.9% / 75%
Installment
RM 3,735
Max Property
RM 1,234,306
Agrobank DSR Guide →
Al Rajhi Bank Malaysia(ARBM)~3.95% p.a.
Al Rajhi Home Financing-i·Full Islamic Bank

Strong margin below 75% DSR cap with RM 3,076/mo net disposable buffer.

Approved
DSR / Cap
61.2% / 75%
Installment
RM 3,760
Max Property
RM 1,225,930
Al Rajhi Bank DSR Guide →
Kuwait Finance House Malaysia (KFH)(KFH)~3.95% p.a.
KFH Murabahah Home Financing-i·Full Islamic Bank

Strong margin below 75% DSR cap with RM 3,076/mo net disposable buffer.

Approved
DSR / Cap
61.2% / 75%
Installment
RM 3,760
Max Property
RM 1,225,930
Kuwait Finance House DSR Guide →
Bank of China (Malaysia)(BOCM)~3.82% p.a.
BOC Flexi Housing Loan·Foreign Bank Malaysia

Strong margin below 75% DSR cap with RM 3,142/mo net disposable buffer.

Approved
DSR / Cap
60.4% / 75%
Installment
RM 3,694
Max Property
RM 1,247,886
Bank of China Malaysia DSR Guide →
ICBC Malaysia(ICBC)~3.85% p.a.
ICBC Residential Housing Loan·Foreign Bank Malaysia

Strong margin below 75% DSR cap with RM 3,127/mo net disposable buffer.

Approved
DSR / Cap
60.6% / 75%
Installment
RM 3,709
Max Property
RM 1,242,767
ICBC Malaysia DSR Guide →
LPPSA (Public Sector Housing Board)(LPPSA)~4.00% p.a.
Skim Pembiayaan Perumahan Sektor Awam·Development & Statutory (DFI)

Strong margin below 80% DSR cap with RM 3,050/mo net disposable buffer.

Approved
DSR / Cap
61.6% / 80%
Installment
RM 3,786
Max Property
RM 1,317,219
LPPSA (Civil Servants) DSR Guide →

Compare Home Loan Affordability Across Other Monthly Salaries

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