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Senior Executive & Sub-Sale Terrace / Urban Condo Buyer·Rates Last Updated: October 2026

RM 6,000 Salary: How Much House Loan Can I Get in Malaysia? (2026)

At RM 6,000 gross monthly salary, your net take-home pay after EPF (RM 660), SOCSO/EIS (capped at the RM 6,000 statutory wage ceiling = RM 41.65), and PCB tax (~RM 115) is roughly RM 5,183/month. Crossing RM 5,000 in net income unlocks 70%–80% DSR tiers at Maybank, CIMB, RHB, AmBank, and UOB. With RM 750 in existing monthly debt, your maximum mortgage installment reaches RM 2,870–RM 3,390/month, enabling you to purchase a RM 550,000 to RM 650,000 property.

Buying as:

1. Home Loan Installment Calculator

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

Loan: RM 495,000
10% Downpayment (RM 55,000)
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 5,094/mo
RM
Bank:
+RM 6,000/mo
EPF (11%): -RM 660·SOCSO/EIS: -RM 42·PCB Tax: -RM 204

3. Existing Monthly Commitments (CCRIS)

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

Total Existing Debt: RM 750/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 750/mo
RM
CCRIS:
RM 750/mo
Total Monthly Commitments Counted by BankRM 750/mo
Estimated Loan Eligibility
High Approval Chance
New DSR (Net Pay)
56.9%
Monthly Installment
RM 2,147/mo

Great news! Your total monthly commitments take up 56.9% of your net income, well within the 70% limit used by most Malaysian banks.

Monthly Net Pay UsageRM 2,897 / RM 5,094
Existing: 15%New Home: +42%70% Bank Limit
Take-Home Net Pay
RM 5,094/mo
After EPF, SOCSO & Tax
Cash Left After Loans
RM 2,197/mo
Min buffer RM 1,450
Estimated Upfront CashRM 82,063
Net Downpayment: RM 55,000Legal & Stamp: RM 27,063
Max Property (at 70% DSR)
RM 721,237
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 2,197/mo net disposable buffer.

Approved
DSR / Cap
56.9% / 70%
Installment
RM 2,147
Max Property
RM 721,249
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 2,182/mo net disposable buffer.

Approved
DSR / Cap
57.2% / 80%
Installment
RM 2,162
Max Property
RM 845,927
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 65% DSR cap with RM 2,211/mo net disposable buffer.

Approved
DSR / Cap
56.6% / 65%
Installment
RM 2,133
Max Property
RM 660,522
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 2,176/mo net disposable buffer.

Approved
DSR / Cap
57.3% / 80%
Installment
RM 2,168
Max Property
RM 843,623
RHB Bank DSR Guide →
Hong Leong Bank / HLISB(HLB)~3.88% p.a.
MortgagePlus / CM Flexi-i·Local Commercial & Islamic

Strong margin below 70% DSR cap with RM 2,188/mo net disposable buffer.

Approved
DSR / Cap
57.0% / 70%
Installment
RM 2,156
Max Property
RM 718,296
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 2,167/mo net disposable buffer.

Approved
DSR / Cap
57.5% / 80%
Installment
RM 2,177
Max Property
RM 840,187
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 2,197/mo net disposable buffer.

Approved
DSR / Cap
56.9% / 75%
Installment
RM 2,147
Max Property
RM 786,487
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 2,176/mo net disposable buffer.

Approved
DSR / Cap
57.3% / 80%
Installment
RM 2,168
Max Property
RM 843,623
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 2,167/mo net disposable buffer.

Approved
DSR / Cap
57.5% / 80%
Installment
RM 2,177
Max Property
RM 840,187
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 2,188/mo net disposable buffer.

Approved
DSR / Cap
57.0% / 75%
Installment
RM 2,156
Max Property
RM 783,268
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 2,176/mo net disposable buffer.

Approved
DSR / Cap
57.3% / 80%
Installment
RM 2,168
Max Property
RM 843,623
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 2,197/mo net disposable buffer.

Approved
DSR / Cap
56.9% / 75%
Installment
RM 2,147
Max Property
RM 786,487
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 2,158/mo net disposable buffer.

Approved
DSR / Cap
57.6% / 80%
Installment
RM 2,186
Max Property
RM 836,771
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 70% DSR cap with RM 2,197/mo net disposable buffer.

Approved
DSR / Cap
56.9% / 70%
Installment
RM 2,147
Max Property
RM 721,249
OCBC Bank DSR Guide →
UOB Malaysia(UOB)~3.86% p.a.
UOB Intelligent Home Loan / Flexi Mortgage·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 2,194/mo net disposable buffer.

Approved
DSR / Cap
56.9% / 70%
Installment
RM 2,150
Max Property
RM 720,262
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 2,188/mo net disposable buffer.

Approved
DSR / Cap
57.0% / 70%
Installment
RM 2,156
Max Property
RM 718,296
HSBC Malaysia DSR Guide →
Standard Chartered / Saadiq Malaysia(SCB)~3.88% p.a.
MortgageOne / Saadiq MyHome-i·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 2,188/mo net disposable buffer.

Approved
DSR / Cap
57.0% / 70%
Installment
RM 2,156
Max Property
RM 718,296
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 2,182/mo net disposable buffer.

Approved
DSR / Cap
57.2% / 75%
Installment
RM 2,162
Max Property
RM 781,132
Agrobank DSR Guide →
Al Rajhi Bank Malaysia(ARBM)~3.95% p.a.
Al Rajhi Home Financing-i·Full Islamic Bank

Strong margin below 70% DSR cap with RM 2,167/mo net disposable buffer.

Approved
DSR / Cap
57.5% / 70%
Installment
RM 2,177
Max Property
RM 711,477
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 70% DSR cap with RM 2,167/mo net disposable buffer.

Approved
DSR / Cap
57.5% / 70%
Installment
RM 2,177
Max Property
RM 711,477
Kuwait Finance House DSR Guide →
Bank of China (Malaysia)(BOCM)~3.82% p.a.
BOC Flexi Housing Loan·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 2,205/mo net disposable buffer.

Approved
DSR / Cap
56.7% / 70%
Installment
RM 2,139
Max Property
RM 724,219
Bank of China Malaysia DSR Guide →
ICBC Malaysia(ICBC)~3.85% p.a.
ICBC Residential Housing Loan·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 2,197/mo net disposable buffer.

Approved
DSR / Cap
56.9% / 70%
Installment
RM 2,147
Max Property
RM 721,249
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 2,152/mo net disposable buffer.

Approved
DSR / Cap
57.8% / 80%
Installment
RM 2,192
Max Property
RM 834,506
LPPSA (Civil Servants) DSR Guide →

Compare Home Loan Affordability Across Other Monthly Salaries

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