Estimate how much home loan you qualify for in Malaysia using the Debt Service Ratio rule.
Estimate only. Actual approval and amount depend on the bank’s full assessment (credit history, employment type, net income). Add your new repayment to existing commitments to check total DSR.
DSR is the share of your gross monthly income that goes to debt repayments. Malaysian banks typically approve home loans when total repayments stay within about 60–70% of gross income, though the exact ceiling varies by bank and income band.
We take your available repayment budget (income × DSR% minus existing commitments) and convert it into a loan amount using a standard amortisation formula at the interest rate and tenure you enter. The result is an estimate — banks also assess credit history, employment type and net income.
Malaysian home loan rates are commonly around 4.0%–4.5% p.a. and tenures up to 35 years (or age 70, whichever is earlier). Adjust the inputs to match an actual bank quote for a more accurate figure.
No. This is an educational estimate only. Final approval and amount depend on the bank’s full assessment of your financial profile.
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