Affordability Calculator
See how much property you can afford based on your income and current commitments.
Take-home pay after EPF, SOCSO and tax. For joint loans, add both incomes.
Car loan, PTPTN, personal loan, other home loans, credit card minimum payments.
You May Afford a Property Up To
RM 953,582
- Maximum Loan
- RM 858,224
- Maximum Monthly Instalment
- RM 3,800
- Down Payment Needed (10%)
- RM 95,358
Rates last reviewed on 14 November 2026. Results are estimates for general guidance only and are not legal, tax or financial advice. Please confirm the final amounts with your lawyer, bank or tax adviser.
What is DSR?
Debt Service Ratio (DSR) is the percentage of your net monthly income used to pay all your loans, including the new home loan. For example, with a net income of RM8,000 and a 60% DSR limit, your total monthly commitments should not exceed RM4,800.
Each bank sets its own DSR limit, and higher income earners are often allowed a higher DSR. Use this estimate as a starting point, then compare your monthly instalment in the Home Loan Calculator.
Related
Home Loan & Buying Costs Guide
Margin of financing, DSR, loan tenure and the upfront costs of buying a home.
OpenHome Loan Calculator
Monthly instalment, total interest and a year-by-year repayment schedule.
OpenStamp Duty Calculator
MOT and loan agreement stamp duty, including first-home and foreign buyer rates.
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