What can you really afford? Enter your finances to see your safe and maximum property budget.
Withdrawable towards the down payment — no repayment on sale.
Take-home pay after tax, EPF and SOCSO — banks assess DSR on net income.
Optional — your comfortable monthly mortgage
You can afford up to
RM 1,880,000
Comfortable target: around RM 1,165,000
| Safe | Stretch (max) | |
|---|---|---|
| Property price | RM 1,165,000 | RM 1,880,000 |
| Estimated loan | RM 911,167 | RM 1,648,154 |
| Required cash | RM 189,675 | RM 199,506 |
| From EPF Account 2 | RM 100,000 | RM 100,000 |
| Stamp duty (MOT) | RM 35,843 | RM 67,660 |
| Monthly repayment | RM 4,200 | RM 7,597 |
Assumes ~90% margin of finance, DSR 65% of net income (no statutory cap — banks typically approve 60-70%), a ~3% booking fee paid in cash (the rest of the down payment can come from EPF Account 2), at 4.3% p.a. over 35 years.
Indicative only. Actual loan eligibility, margin of finance, DSR, EPF usage and stamp duty depend on your full profile and bank approval. Confirm with a banker or mortgage broker.