Home Loan Calculator MalaysiaMain Calculator
Senior Manager & Prime Urban Residential Buyer·Rates Last Updated: October 2026

RM 9,000 Salary: How Much House Loan Can I Get in Malaysia? (2026)

Earning RM 9,000 gross per month leaves approximately RM 7,478 in net take-home pay after EPF (RM 990), SOCSO/EIS (RM 41.65), and PCB tax (~RM 490). At 75%–80% DSR, your total debt service limit is RM 5,600–RM 5,980/month, supporting properties valued between RM 850,000 and RM 960,000 across Klang Valley, Penang Island, and Iskandar Puteri.

Buying as:

1. Home Loan Installment Calculator

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

Loan: RM 765,000
10% Downpayment (RM 85,000)
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 7,269/mo
RM
Bank:
+RM 9,000/mo
EPF (11%): -RM 990·SOCSO/EIS: -RM 42·PCB Tax: -RM 699

3. Existing Monthly Commitments (CCRIS)

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

Total Existing Debt: RM 1,000/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 1,000/mo
RM
CCRIS:
RM 1,000/mo
Total Monthly Commitments Counted by BankRM 1,000/mo
Estimated Loan Eligibility
High Approval Chance
New DSR (Net Pay)
59.4%
Monthly Installment
RM 3,319/mo

Great news! Your total monthly commitments take up 59.4% of your net income, well within the 70% limit used by most Malaysian banks.

Monthly Net Pay UsageRM 4,319 / RM 7,269
Existing: 14%New Home: +46%70% Bank Limit
Take-Home Net Pay
RM 7,269/mo
After EPF, SOCSO & Tax
Cash Left After Loans
RM 2,950/mo
Min buffer RM 1,450
Estimated Upfront CashRM 128,725
Net Downpayment: RM 85,000Legal & Stamp: RM 43,725
Max Property (at 70% DSR)
RM 1,047,023
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 2,950/mo net disposable buffer.

Approved
DSR / Cap
59.4% / 70%
Installment
RM 3,319
Max Property
RM 1,047,162
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 2,928/mo net disposable buffer.

Approved
DSR / Cap
59.7% / 80%
Installment
RM 3,341
Max Property
RM 1,224,949
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 2,973/mo net disposable buffer.

Approved
DSR / Cap
59.1% / 70%
Installment
RM 3,296
Max Property
RM 1,054,366
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 2,918/mo net disposable buffer.

Approved
DSR / Cap
59.9% / 80%
Installment
RM 3,351
Max Property
RM 1,221,613
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 2,937/mo net disposable buffer.

Approved
DSR / Cap
59.6% / 75%
Installment
RM 3,332
Max Property
RM 1,135,587
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 2,905/mo net disposable buffer.

Approved
DSR / Cap
60.0% / 80%
Installment
RM 3,364
Max Property
RM 1,216,637
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 2,950/mo net disposable buffer.

Approved
DSR / Cap
59.4% / 75%
Installment
RM 3,319
Max Property
RM 1,140,254
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 2,918/mo net disposable buffer.

Approved
DSR / Cap
59.9% / 80%
Installment
RM 3,351
Max Property
RM 1,221,613
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 2,905/mo net disposable buffer.

Approved
DSR / Cap
60.0% / 80%
Installment
RM 3,364
Max Property
RM 1,216,637
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 2,937/mo net disposable buffer.

Approved
DSR / Cap
59.6% / 75%
Installment
RM 3,332
Max Property
RM 1,135,587
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 2,918/mo net disposable buffer.

Approved
DSR / Cap
59.9% / 80%
Installment
RM 3,351
Max Property
RM 1,221,613
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 2,950/mo net disposable buffer.

Approved
DSR / Cap
59.4% / 75%
Installment
RM 3,319
Max Property
RM 1,140,254
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 2,891/mo net disposable buffer.

Approved
DSR / Cap
60.2% / 80%
Installment
RM 3,378
Max Property
RM 1,211,690
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 2,950/mo net disposable buffer.

Approved
DSR / Cap
59.4% / 75%
Installment
RM 3,319
Max Property
RM 1,140,254
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 2,946/mo net disposable buffer.

Approved
DSR / Cap
59.5% / 80%
Installment
RM 3,323
Max Property
RM 1,231,660
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 2,937/mo net disposable buffer.

Approved
DSR / Cap
59.6% / 70%
Installment
RM 3,332
Max Property
RM 1,042,876
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 2,937/mo net disposable buffer.

Approved
DSR / Cap
59.6% / 75%
Installment
RM 3,332
Max Property
RM 1,135,587
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 2,928/mo net disposable buffer.

Approved
DSR / Cap
59.7% / 75%
Installment
RM 3,341
Max Property
RM 1,132,491
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 2,905/mo net disposable buffer.

Approved
DSR / Cap
60.0% / 75%
Installment
RM 3,364
Max Property
RM 1,124,807
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 2,905/mo net disposable buffer.

Approved
DSR / Cap
60.0% / 75%
Installment
RM 3,364
Max Property
RM 1,124,807
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 2,964/mo net disposable buffer.

Approved
DSR / Cap
59.2% / 75%
Installment
RM 3,305
Max Property
RM 1,144,951
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 2,950/mo net disposable buffer.

Approved
DSR / Cap
59.4% / 75%
Installment
RM 3,319
Max Property
RM 1,140,254
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 2,882/mo net disposable buffer.

Approved
DSR / Cap
60.3% / 80%
Installment
RM 3,387
Max Property
RM 1,208,410
LPPSA (Civil Servants) DSR Guide →

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