See how much home loan your income may support before you sign an SPA — enter your gross income, what you already pay each month and the DSR limit to test; add your bank’s rate to see the maximum loan. Nothing is pre-filled as a “market rate”.
Car loan, personal loan, PTPTN, BNPL and existing mortgages.
Banks typically count 5% of the card limit as a monthly commitment, even if you pay in full.
Most banks cap DSR at 60–70% for salaried borrowers.
Leave blank to see the instalment limit only; no rate is assumed.
Banks size your home loan by your Debt Service Ratio (DSR): total monthly loan commitments divided by gross monthly income, times 100. Our home loan guide notes that most banks cap DSR at 60–70% for salaried borrowers, and lower for the self-employed or variable-income earners. The calculator multiplies your gross income by the DSR limit you enter, subtracts what you already pay each month and shows the largest new instalment that still fits — the same method as the guide’s example: gross income RM6,000, existing commitments RM1,200, a 65% cap, maximum new instalment RM2,700.
Commitments include housing loans, car loans, PTPTN, personal loans, credit card payments and Buy Now Pay Later (BNPL). Credit cards catch many buyers out: banks typically count 5% of your credit card limit as a monthly commitment, even if you pay in full every month, so the calculator adds 5% of the total limit you enter. Tenure is capped the way the guide describes — maximum tenure is 35 years, or until the borrower turns 70, whichever comes first — so entering your age shortens the tenure automatically.
To turn the instalment into a loan amount, enter the interest rate from a bank’s offer. The calculator does not assume one, because a variable-rate loan is priced as SBR plus a spread that differs by bank and borrower. It then shows the maximum loan and the property price it supports at the margin of finance you choose: 90% for a 1st or 2nd housing loan, 70% from the 3rd. Banks calculate DSR differently (gross vs net income, how they count BNPL, rental income haircuts), so treat the result as a planning figure.
| Factor | How it changes the result |
|---|---|
| Gross income | A joint borrower adds income to the DSR calculation — but their existing commitments are added too. |
| Existing commitments | Settling a car loan, personal loan or PTPTN before you apply lowers your DSR directly and raises the instalment you can take on. |
| Credit cards | Banks typically count 5% of your credit card limit as a monthly commitment. Cancelling unused cards reduces it. |
| The bank’s DSR limit | Standard salaried borrowers 60–70%; some banks allow up to 80% for high earners (above RM10,000 a month net); self-employed 50–65%. |
| Tenure and age | Maximum tenure is 35 years or until you turn 70, whichever comes first. A longer tenure lowers the instalment and raises the loan you qualify for. |
| Margin of finance | The bank lends up to 90% of the value on a 1st or 2nd housing loan and 70% from the 3rd, so the cash you need for the down payment changes too. |
General information, not financial advice — banks assess every application differently; confirm with the bank.
This calculator covers the numbers side — if you also need a contractor for repairs, waterproofing or renovation work, feel free to ask, no obligation.
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