DSR & Home Loan Guides (Malaysia)
Plain-English explainers for Malaysian home buyers — how DSR works, what banks really check, and the traps to avoid. Each guide ends with our free calculator so you can check your own numbers.
How Malaysian Banks Calculate DSR: What's Public, What's Rumour
We checked 12 banks — what is actually published vs what is just recycled agent content.
How to Lower Your DSR Before You Apply
Clear small debts, pay down card balances, add a joint borrower — the levers that move your DSR.
How to Check If Your Property Agent Is Real
Verify a REN/REA on the official register, read their ID tag, and spot the scam red flags.
Property & Home Loan Glossary: DSR, MOT, POT Explained
Every Malaysian property and home-loan term in plain English — a cheat sheet for buyers and agents.
CCRIS & CTOS: How They Affect Your Home Loan
CCRIS vs CTOS, your credit score range, and why BNPL (SPayLater, Grab PayLater) now counts too.
First-Home & Affordable Housing Schemes in Malaysia
SRP, Rumah Selangorku, RUMAWIP, PPAM and more — what each solves, who qualifies, and whether you can afford it.
Rumah Selangorku: Eligibility, Prices & How to Apply
Who qualifies, the Type A–E prices and income limits, how to apply — and the bank-loan step that trips most people up.
Skim Rumah Pertamaku (SRP): What Replaced It
SRP ended in 2023 — here is the First Home MGP that replaced it: up to 110% financing, no deposit, and why your DSR still decides.
SJKP & SJKP MADANI: A Home Loan Without a Payslip
The government guarantee for the self-employed and gig workers — how it works, who qualifies, and why your declared income decides.
PPAM: Affordable Homes for Civil Servants
How the civil servant housing ballot works, who qualifies, and the LPPSA/bank financing step where your DSR still decides.
RUMAWIP / Residensi Wilayah: Affordable Homes in KL & Putrajaya
RM300k Federal Territory homes — who qualifies (you can just work in KL), the 10-year rule, and why your DSR still decides.
First-Home Stamp Duty Exemption: What You Save (2026–2027)
Both stamp duties waived up to RM500k — about RM11,250 saved. Why the old 75% band no longer applies, and how to claim it.
MRTA vs MLTA: The Unbiased Comparison
Who each really protects, whether it’s compulsory, and the part most articles skip — how financing the premium raises your loan and DSR.
Rumah Mesra Rakyat (SPNB): Build a Home with a RM20,000 Subsidy
Build on your own land — RM20,000 subsidy + an interest-free SPNB loan (~RM300/mo). Income up to RM5,000, and why your DSR still counts.