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Affordability calculator

Estimate what repayment may fit your monthly budget.

Use this repayment estimate together with your real commitments and cash buffer before choosing a property.

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Calculator

Estimate a maximum loan amount from income and target DSR.

Monthly income (RM)

Existing monthly commitments (RM)

Target DSR (%)

Interest rate (% per year)

Loan term (years)

Estimated maximum loan amount

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This estimate reverses the monthly-payment formula using available repayment after existing commitments. It is not a bank approval result.

Review

What to know before you apply.

Estimate home loan affordability in Malaysia using repayment, tenure, rate, income, commitments, and buyer planning.

Home loan affordability guide First-Time Buyer Loan Home loan documents

Next step

Submit your details first.

We will follow up on WhatsApp with the same context after the form is submitted.

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Guide

Estimate what repayment may fit your monthly budget.

Do not buy at the edge of your comfort

A home loan is long term. Build a budget that survives interest changes, income changes, maintenance, and family expenses.

Keep a cash buffer after paying deposit and fees.
Use conservative income assumptions.
Check the full cost of ownership.

FAQ

Common questions.

Should I use my maximum loan eligibility?

Not automatically. A comfortable payment is usually safer than the maximum amount a bank may approve.

Ready to check your home loan or refinance route?

Submit your details first so we can follow up on WhatsApp with the same context.

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