See the maximum home loan your net income can service, at the debt service ratio banks typically use in Malaysia.
Take-home pay after tax, EPF and SOCSO — banks assess DSR on net income.
Car loan, PTPTN, personal loans, credit-card minimum payments.
Up to 35 years (most banks cap at age 70).
No statutory cap in Malaysia — banks typically approve 60-70% of net income.
Assessed at a typical 4.5% p.a. lending rate. Each bank assesses at its own actual or ceiling rate, so approved amounts vary.
Estimated maximum home loan
RM 1,026,278
Indicative only — not a loan offer. Banks apply their own DSR bands, assessment rates, income recognition and credit policies. Confirm with your bank or a mortgage specialist.
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