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Mortgage tool

Home Loan Eligibility

Estimate how much you can borrow based on income, debts, and a chosen DSR limit.
Max new installment
RM 2,600
Estimated max loan
RM 587,206
Monthly at max loan
RM 2,600
Banks may use different income definitions (gross vs net) and different DSR limits. Use this as a planning estimate.
Home loan calculatorRefinancing calculator
How to use
How it works
  1. 1
    Enter income
    Fill in your monthly income (net or take-home, for planning).
  2. 2
    Enter commitments
    Add your existing monthly debt commitments (car, cards, loans).
  3. 3
    Choose DSR
    Set your target DSR limit (example: 60%).
  4. 4
    Set rate & tenure
    Enter interest rate and tenure to estimate borrowing power.
  5. 5
    Read max loan
    See estimated max new installment and max loan amount.
FAQ
Common questions
What is DSR?
DSR (Debt Service Ratio) is the % of income used to pay monthly debts. Different banks may use different limits.
Should I use gross or net income?
Banks vary. Use net income for a conservative estimate, or compare both to see a range.
What counts as commitments?
Car loan, personal loan, credit card minimum, existing housing loans, and other monthly debt payments.
Why does interest rate change my max loan?
Higher rates increase monthly installment, reducing how much principal fits under your DSR limit.
Does this guarantee approval?
No. Banks also check CCRIS/CTOS, employment stability, age, and property type.
What DSR % should I pick?
Try 50%–70% to explore scenarios. Your actual bank limit depends on profile and policy.