Finance · Free · Client-side
Housing Loan DSR Calculator Malaysia
Enter net monthly income, existing commitments, and a target property price (or instalment). See your Debt Service Ratio and how it sits against common bank DSR ceilings, for planning only.
Car loan, PTPTN, card minimums, personal loans, etc.
Housing instalment
Housing instalment
-
Your DSR
-
Max housing @ 70% DSR
-
- Illustrative 60% ceiling -
- Illustrative 70% ceiling -
How this dsr calculator malaysia works
- 01 Enter net monthly salary and recurring commitments (car, PTPTN, cards, etc.).
- 02 Either enter a proposed housing instalment, or estimate one from loan amount, rate, and years.
- 03 DSR = (commitments + housing instalment) ÷ net income.
- 04 Compare against illustrative 60% / 70% ceilings used in market discussions.
Frequently asked questions
Will Maybank / CIMB / Public Bank approve me? +
This tool cannot say. Banks use their own policies, CCRIS, margins of finance, and internal scorecards. Treat results as a planning estimate only.
Gross or net income? +
Use net take-home for a conservative estimate. Some banks start from gross and apply their own deductions; confirm with your banker.
Is my salary data uploaded? +
No. Calculations stay in the browser.