Home Loan Affordability Calculator

Instantly find out your maximum home loan amount, maximum property price, and Debt Service Ratio (DSR) based on BNM guidelines.

Your Income

Gross Monthly Income (RM) *

Before EPF, SOCSO, EIS, and tax deductions

I know my exact net (take-home) income — use it instead

Existing Monthly Debt Commitments

Total Monthly Debt Payments (RM)

Sum of all monthly debt repayments (car loan, personal loan, credit card minimum)

Proposed Mortgage Parameters

Interest Rate (% p.a.) *

Loan Tenure (Years) *

Downpayment (%)

Standard minimum is 10% for first two properties

Custom DSR Ceiling (%) — optional

Override the auto-detected BNM guideline limit

Maximum Property Price

RM683,649.02

Maximum Loan PrincipalRM615,284.12

Required Downpayment (10%)RM68,364.90

Max Monthly MortgageRM3,008.85 / mo

DSR Health

High

0%70.0% DSR70% limit

You are close to the maximum DSR banks allow. Additional debts could affect approval.

Net Monthly IncomeRM5,298.35

Max Allowable Monthly Debt (70% DSR)RM3,708.85

Existing Commitments-RM700.00

Remaining Budget for MortgageRM3,008.85

Can I afford this home budget?

A Pro home affordability score based on DSR, existing debts, maximum price, and the cash needed upfront. Educational tips only, not financial advice.

AI verdict

Search looks comfortable

Score 88/100

Existing debts are around 13.2% of net income and the DSR ceiling is not being fully used, so this home search looks more comfortable so far.

Use RM683,649 as a ceiling, not a target. Keep cash room for upfront costs and repairs.

out of 100

Existing debt / income

13.2%

Mortgage budget / income

56.8%

DSR ceiling used

100%

Main reason

Existing debts are around 13.2% of net income and the DSR ceiling is not being fully used, so this home search looks more comfortable so far.

Watch-outs

The maximum price uses almost the full DSR ceiling.

How to improve the decision

Stress-test a property price 10% to 15% below the maximum to keep monthly cash flow safer.
Compare your preferred property price against the maximum, not only bank eligibility.

AI explanation

Ask AI about this home budget

Cik Kira can use this affordability result to suggest practical purchase and upfront-cash next steps.

Current calculator result10 shared answers or calculations / monthEducational tips only

AI will use this context

Current home affordability check

Score: 88/100 Risk level: healthy Headline: Looks comfortable for a mortgage search based on the inputs. Existing debt ratio: 13.2% Mortgage budget ratio: 56.8% DSR ceiling used: 100% Max mortgage installment: RM3008.85 Max property price: RM683649.02 Downpayment amount: RM68364.9 Positive signals: Existing monthly debts take a manageable share of net income.; There is still DSR room for a mortgage based on the numbers entered. Caution signals: The maximum price uses almost the full DSR ceiling.

Educational planning tips only, not licensed financial advice.

Formula Breakdown

Net Income ≈ Gross Income − EPF (11%) − SOCSO − EIS (or use your actual take-home)
Max Allowable Monthly Debt = Net Income × Max DSR% (BNM tiered guideline)
Remaining Mortgage Budget = Max Allowable Monthly Debt − Existing Monthly Commitments
Max Loan Principal = PMT × [1 − (1 + r)^−N] / r (reverse reducing balance amortisation)
Max Property Price = Max Loan Principal ÷ (1 − Downpayment%)

Assumptions

Net income estimated from gross by deducting EPF (11%), SOCSO, and EIS.
Loan Interest Rate: 4.2% per annum (reducing balance).
Loan tenure: 30 years.
Downpayment: 10% of property price.
Max DSR threshold: 70% (BNM tiered guideline for this income band).

This calculator provides estimates only. KiraSmart is not financial advice. Please verify with official sources or professionals before making decisions. Read full disclaimer

Information last reviewed: 2026-05-20 · Result type: user-input estimate

Frequently Asked Questions

What is DSR (Debt Service Ratio) in Malaysia?

DSR (Debt Service Ratio) is the percentage of your net monthly income that goes toward servicing all debt repayments — including housing loan, car loan, personal loan, and credit card minimum payments. Malaysian banks typically cap DSR between 60%–75% depending on your income tier, in accordance with Bank Negara Malaysia (BNM) Responsible Lending Guidelines.

How much home loan can I get in Malaysia?

Your maximum home loan is determined by your DSR capacity: the remaining portion of your net income after subtracting existing debt commitments and capping at the bank's DSR limit. Use this calculator to find your exact maximum loan principal based on your income, existing debts, preferred interest rate, and tenure.

What is the minimum downpayment for a home in Malaysia?

For your first two residential properties, the minimum downpayment is 10% of the property price. For a third property onwards, a minimum 30% downpayment is required under BNM's Loan-to-Value (LTV) ratio rules.

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Report an issue or outdated rate

What is DSR (Debt Service Ratio) & Home Loan Limits?

In Malaysia, commercial banks assess your mortgage eligibility using the Debt Service Ratio (DSR) metric. DSR measures the portion of your net monthly income that goes toward servicing existing debt obligations plus the monthly installment of the home loan you are applying for.

BNM DSR Guideline Thresholds

To promote responsible lending, BNM establishes implicit DSR caps across net income tiers:
• Net income < RM3,000: DSR capped at ~60%
• Net income RM3,000 - RM5,000: DSR capped at ~65%
• Net income RM5,000 - RM8,000: DSR capped at ~70%
• Net income > RM8,000: DSR capped at ~75%

How to Lower DSR & Buy a Bigger Home

If your DSR is too high, banks may reject your application. You can improve your borrowing capacity by settling small outstanding credit commitments (e.g. personal loans), applying with a joint borrower to aggregate net monthly income, or preparing a larger cash downpayment.