Loan Affordability Calculator
Work backwards from what you can comfortably pay each month to the loan — and the property price — that fits.
Property price you can aim for
RM 1,172,546.51
This uses a flat DSR ceiling you pick. Real banks each apply their own limit, recognise income differently, and read your credit record — check the DSR calculator on our homepage for a bank-by-bank answer.
- Instalment you can afford
- RM 4,800.00
- Maximum loan
- RM 1,055,291.86
- Down payment needed
- RM 117,254.65
- DSR ceiling used
- 70%
If rates were different
| Interest rate | Max loan | Max property price |
|---|---|---|
| 3.2% | RM 1,211,820.23 | RM 1,346,466.93 |
| 4.2% | RM 1,055,291.86 | RM 1,172,546.51 |
| 5.2% | RM 927,510.55 | RM 1,030,567.28 |
| 6.2% | RM 822,363.31 | RM 913,737.02 |
Your instalment ceiling stays the same — a higher rate simply buys less house.
Would a bank actually lend you this much?
The figures above are pure arithmetic — they do not check any bank's rules. Our DSR calculator runs your numbers through each bank's actual limits.
Check if the bank would approve →Indicative estimates for planning, not financial advice. This is not a lending decision — each bank sets its own debt service ratio ceiling, recognises income differently and reads your credit record. Confirm with your bank.
Frequently asked questions
- How much can I borrow on my salary?
- Banks work from your debt service ratio: your total monthly commitments as a share of your income. Pick a ceiling here, subtract what you already pay each month, and the rest is what an instalment can be. That instalment sets the loan.
- Is this what the bank will actually approve?
- No. Each bank applies its own DSR ceiling, recognises income differently — commission and rental income especially — and reads your credit record. This gives you a planning range. For a bank-by-bank answer, use the DSR calculator on our homepage.
- What DSR should I assume?
- Many Malaysian banks sit between 60% and 70% for salaried applicants, and lower ceilings are common at lower income bands. Starting at the conservative end is the safer way to plan.
- Does a longer tenure let me borrow more?
- Yes, because it spreads the same instalment over more months — but it raises the total interest considerably. Compare both before stretching the tenure just to qualify.
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