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Entry-Level Graduate & Affordable Housing (Rumah Selangorku / Residensi Wilayah)·Rates Last Updated: October 2026

RM 3,000 Salary: How Much House Loan Can I Get in Malaysia? (2026)

With a RM 3,000 gross monthly salary in Malaysia, your statutory EPF (11% = RM 330), SOCSO, and EIS deductions leave approximately RM 2,652 in net take-home pay (RM 0 PCB income tax). Most Malaysian banks cap borrowers in this bracket at 60% DSR (or 65% at BSN and MBSB) and enforce a minimum Net Disposable Income (NDI) of RM 1,100–RM 1,400. If you have a RM 400/month Perodua car loan, your remaining mortgage capacity is around RM 1,190/month—qualifying you for a RM 240,000 to RM 275,000 property (such as Rumah Selangorku, Residensi Wilayah, or PR1MA apartments) with 100% First-Time Buyer stamp duty exemption.

Buying as:

1. Home Loan Installment Calculator

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

Loan: RM 225,000
10% Downpayment (RM 25,000)
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 2,649/mo
RM
Bank:
+RM 3,000/mo
EPF (11%): -RM 330·SOCSO/EIS: -RM 21·PCB Tax: -RM 0

3. Existing Monthly Commitments (CCRIS)

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

Total Existing Debt: RM 400/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 400/mo
RM
CCRIS:
RM 400/mo
Total Monthly Commitments Counted by BankRM 400/mo
Estimated Loan Eligibility
DSR Too High
New DSR (Net Pay)
51.9%
Monthly Installment
RM 976/mo

At 51.9% DSR, total debt exceeds most bank limits. Try lowering the property price, clearing credit card balances, or applying jointly.

Monthly Net Pay UsageRM 1,376 / RM 2,649
Existing: 15%New Home: +37%70% Bank Limit
Take-Home Net Pay
RM 2,649/mo
After EPF, SOCSO & Tax
Cash Left After Loans
RM 1,273/mo
Min buffer RM 1,450
Estimated Upfront CashRM 31,488
Net Downpayment: RM 25,000Legal & Stamp: RM 6,488
Max Property (at 70% DSR)
RM 372,400
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

NDI of RM 1,273 is below minimum living threshold (RM 1,400).

Over Limit
DSR / Cap
51.9% / 40%
Installment
RM 976
Max Property
RM 168,973
Maybank DSR Guide →
CIMB Bank / CIMB Islamic(CIMB)~3.90% p.a.
HomeFlexi / HomeFlexi-i·Local Commercial & Islamic

NDI of RM 1,266 is below minimum living threshold (RM 1,300).

Over Limit
DSR / Cap
52.2% / 60%
Installment
RM 983
Max Property
RM 302,610
CIMB Bank DSR Guide →
Public Bank / Public Islamic(PBB)~3.80% p.a.
5 HOME Plan / ABBA Home-i·Local Commercial & Islamic

NDI of RM 1,280 is below minimum living threshold (RM 1,500).

Over Limit
DSR / Cap
51.7% / 60%
Installment
RM 969
Max Property
RM 306,780
Public Bank DSR Guide →
RHB Bank / RHB Islamic(RHB)~3.92% p.a.
My1 Full Flexi / Equity Home-i·Local Commercial & Islamic

Within 60% DSR limit, but close to stress-test buffer (56.2%). Supporting savings (FD/ASB) recommended.

Borderline
DSR / Cap
52.3% / 60%
Installment
RM 985
Max Property
RM 301,786
RHB Bank DSR Guide →
Hong Leong Bank / HLISB(HLB)~3.88% p.a.
MortgagePlus / CM Flexi-i·Local Commercial & Islamic

NDI of RM 1,269 is below minimum living threshold (RM 1,400).

Over Limit
DSR / Cap
52.1% / 60%
Installment
RM 980
Max Property
RM 303,437
Hong Leong Bank DSR Guide →
AmBank / AmBank Islamic(AMB)~3.95% p.a.
HomeLink / HomeLink-i·Local Commercial & Islamic

Within 60% DSR limit, but close to stress-test buffer (56.4%). Supporting savings (FD/ASB) recommended.

Borderline
DSR / Cap
52.5% / 60%
Installment
RM 990
Max Property
RM 300,557
AmBank DSR Guide →
Bank Islam Malaysia(BIMB)~3.85% p.a.
Baiti Home Financing-i·Full Islamic Bank

NDI of RM 1,273 is below minimum living threshold (RM 1,300).

Over Limit
DSR / Cap
51.9% / 60%
Installment
RM 976
Max Property
RM 304,684
Bank Islam DSR Guide →
Alliance Bank / Alliance Islamic(ABMB)~3.92% p.a.
SaveLink / SaveLink-i·Local Commercial & Islamic

NDI of RM 1,264 is below minimum living threshold (RM 1,300).

Over Limit
DSR / Cap
52.3% / 60%
Installment
RM 985
Max Property
RM 301,786
Alliance Bank DSR Guide →
Affin Bank / Affin Islamic(AFFIN)~3.95% p.a.
Affin Home Assist / Home Step Fast-i·Local Commercial & Islamic

Within 60% DSR limit, but close to stress-test buffer (56.4%). Supporting savings (FD/ASB) recommended.

Borderline
DSR / Cap
52.5% / 60%
Installment
RM 990
Max Property
RM 300,557
Affin Bank DSR Guide →
Bank Rakyat(BKRM)~3.88% p.a.
Pembiayaan Perumahan-i Manzili·Development & Statutory (DFI)

Within 60% DSR limit, but close to stress-test buffer (56%). Supporting savings (FD/ASB) recommended.

Borderline
DSR / Cap
52.1% / 60%
Installment
RM 980
Max Property
RM 303,437
Bank Rakyat DSR Guide →
Bank Muamalat Malaysia(BMMB)~3.92% p.a.
Smart Mortgage Solution-i·Full Islamic Bank

Within 60% DSR limit, but close to stress-test buffer (56.2%). Supporting savings (FD/ASB) recommended.

Borderline
DSR / Cap
52.3% / 60%
Installment
RM 985
Max Property
RM 301,786
Bank Muamalat DSR Guide →
BSN (Bank Simpanan Nasional)(BSN)~3.85% p.a.
BSN MyHome / Youth Housing Scheme·Development & Statutory (DFI)

Within 65% DSR limit, but close to stress-test buffer (55.8%). Supporting savings (FD/ASB) recommended.

Borderline
DSR / Cap
51.9% / 65%
Installment
RM 976
Max Property
RM 338,612
BSN DSR Guide →
MBSB Bank(MBSB)~3.98% p.a.
Stylo Home Financing-i / Ultimate Home-i·Full Islamic Bank

Within 65% DSR limit, but close to stress-test buffer (56.5%). Supporting savings (FD/ASB) recommended.

Borderline
DSR / Cap
52.6% / 65%
Installment
RM 994
Max Property
RM 332,667
MBSB Bank DSR Guide →
OCBC Bank / OCBC Al-Amin(OCBC)~3.85% p.a.
OCBC Home Loan / Manarat Home-i·Foreign Bank Malaysia

NDI of RM 1,273 is below minimum living threshold (RM 1,500).

Over Limit
DSR / Cap
51.9% / 60%
Installment
RM 976
Max Property
RM 304,684
OCBC Bank DSR Guide →
UOB Malaysia(UOB)~3.86% p.a.
UOB Intelligent Home Loan / Flexi Mortgage·Foreign Bank Malaysia

NDI of RM 1,272 is below minimum living threshold (RM 1,500).

Over Limit
DSR / Cap
52.0% / 60%
Installment
RM 977
Max Property
RM 304,268
UOB Malaysia DSR Guide →
HSBC Bank / HSBC Amanah Malaysia(HSBC)~3.88% p.a.
HSBC HomeSmart / HomeSmart-i·Foreign Bank Malaysia

NDI of RM 1,269 is below minimum living threshold (RM 1,600).

Over Limit
DSR / Cap
52.1% / 60%
Installment
RM 980
Max Property
RM 303,437
HSBC Malaysia DSR Guide →
Standard Chartered / Saadiq Malaysia(SCB)~3.88% p.a.
MortgageOne / Saadiq MyHome-i·Foreign Bank Malaysia

NDI of RM 1,269 is below minimum living threshold (RM 1,550).

Over Limit
DSR / Cap
52.1% / 60%
Installment
RM 980
Max Property
RM 303,437
Standard Chartered DSR Guide →
Agrobank Malaysia(AGRO)~3.90% p.a.
Agrobank Hartani-i / Perumahan-i·Development & Statutory (DFI)

Within 60% DSR limit, but close to stress-test buffer (56.1%). Supporting savings (FD/ASB) recommended.

Borderline
DSR / Cap
52.2% / 60%
Installment
RM 983
Max Property
RM 302,610
Agrobank DSR Guide →
Al Rajhi Bank Malaysia(ARBM)~3.95% p.a.
Al Rajhi Home Financing-i·Full Islamic Bank

NDI of RM 1,259 is below minimum living threshold (RM 1,350).

Over Limit
DSR / Cap
52.5% / 60%
Installment
RM 990
Max Property
RM 300,557
Al Rajhi Bank DSR Guide →
Kuwait Finance House Malaysia (KFH)(KFH)~3.95% p.a.
KFH Murabahah Home Financing-i·Full Islamic Bank

NDI of RM 1,259 is below minimum living threshold (RM 1,400).

Over Limit
DSR / Cap
52.5% / 60%
Installment
RM 990
Max Property
RM 300,557
Kuwait Finance House DSR Guide →
Bank of China (Malaysia)(BOCM)~3.82% p.a.
BOC Flexi Housing Loan·Foreign Bank Malaysia

NDI of RM 1,277 is below minimum living threshold (RM 1,450).

Over Limit
DSR / Cap
51.8% / 60%
Installment
RM 972
Max Property
RM 305,939
Bank of China Malaysia DSR Guide →
ICBC Malaysia(ICBC)~3.85% p.a.
ICBC Residential Housing Loan·Foreign Bank Malaysia

NDI of RM 1,273 is below minimum living threshold (RM 1,450).

Over Limit
DSR / Cap
51.9% / 60%
Installment
RM 976
Max Property
RM 304,684
ICBC Malaysia DSR Guide →
LPPSA (Public Sector Housing Board)(LPPSA)~4.00% p.a.
Skim Pembiayaan Perumahan Sektor Awam·Development & Statutory (DFI)

Within 60% DSR limit, but close to stress-test buffer (56.6%). Supporting savings (FD/ASB) recommended.

Borderline
DSR / Cap
52.7% / 60%
Installment
RM 996
Max Property
RM 298,524
LPPSA (Civil Servants) DSR Guide →

Compare Home Loan Affordability Across Other Monthly Salaries

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