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

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Your DSR

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Max housing @ 70% DSR

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  • Illustrative 60% ceiling —
  • Illustrative 70% ceiling —

How this dsr calculator malaysia works

  1. 01 Enter net monthly salary and recurring commitments (car, PTPTN, cards, etc.).
  2. 02 Either enter a proposed housing instalment, or estimate one from loan amount, rate, and years.
  3. 03 DSR = (commitments + housing instalment) ÷ net income.
  4. 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.