DSR Calculator

Quickly assess whether your lead qualifies for a home loan. Enter their income, existing commitments, and target property to get an instant Debt Service Ratio.

Monthly Income

Gross monthly income before tax deductions.

Gross Salary (RM)

Other Income (RM)

Rental income, part-time, commissions, etc.

Existing Commitments

Monthly payments for current loans and obligations.

Car Loan (RM)

Personal Loan (RM)

Credit Card Min (RM)

PTPTN (RM)

Other Commitments (RM)

ASB financing, hire purchase, AEON, etc.

Proposed Home Loan

Details of the property your lead is looking at.

Property Price (RM)

Down Payment

Loan Tenure

Interest Rate (%)

Current average: 4.0%–4.5% for new home loans in Malaysia.

DSR Result

Debt Service Ratio — the percentage of income going to debt repayments.

26.6%

Comfortable

0%≤60% Safe70%100%

Within most Malaysian bank approval thresholds.

Breakdown

Total Monthly IncomeRM 8,000

Existing DebtsRM 0

Proposed InstallmentRM 2,130

Total Monthly DebtRM 2,130

Loan Details

Loan AmountRM 450,000

Monthly InstallmentRM 2,130

Max Affordable Property

RM 1,126,943

Based on 60% DSR threshold with current debts, 10% down payment, 35-year tenure at 4.5% interest.

Disclaimer: This calculator provides an estimate only. Actual bank approvals depend on credit score (CCRIS/CTOS), employment stability, bank-specific policies, and other factors. Most Malaysian banks use a 60%–70% DSR limit. Always advise leads to check with their preferred bank.