Loan Eligibility Calculator
The maximum loan your income supports at a 70% debt service ratio.
Loan Eligibility Calculator
Indicative only. Banks assess your full commitment profile and CCRIS record.
Based on a 70% debt service ratio and a level repayment over the full tenure. Figures are rounded.
How this is calculated
Banks in Malaysia assess affordability on a debt service ratio: the share of your income already committed to repayments. We use 70%, which is the common ceiling for a household in the middle income bands. Your servicing capacity is 70% of gross monthly income less your existing commitments.
That figure is then treated as the maximum monthly instalment and converted into a loan amount using a level repayment over the full tenure at the rate you set. The property price shown assumes a 90% margin of finance, so it is the loan divided by 0.9.
What this does not include
The cash you need at the front is a separate number: legal fees on the sale and purchase agreement and on the loan, stamp duty on the transfer and on the loan agreement, valuation fees, and the balance of the deposit. Banks also look at your CCRIS record, employment type and the age at which the loan matures.
Tell us the property and the deadline.
We will put the right department on it, not a call centre.