Home Loan Affordability Calculator Malaysia
Instantly find out your maximum home loan amount, maximum property price, and Debt Service Ratio (DSR) based on BNM guidelines.
Your Income
Before EPF, SOCSO, EIS, and tax deductions
Existing Monthly Debt Commitments
Sum of all monthly debt repayments (car loan, personal loan, credit card minimum)
Proposed Mortgage Parameters
Standard minimum is 10% for first two properties
Override the auto-detected BNM guideline limit
Maximum Property Price
RM685,223.61
DSR Health
HighYou are close to the maximum DSR banks allow. Additional debts could affect approval.
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
- DSR limits follow BNM Responsible Lending Guidelines: 60% for net income < RM3,000; 65% for RM3,000–RM5,000; 70% for RM5,000–RM8,000; 75% above RM8,000.
- First two residential properties: minimum 10% downpayment. Third property onwards: minimum 30% downpayment applies.
- Interest rate uses the standard reducing balance amortisation formula (same as Malaysian home loans).
- This calculator does not include MRTA, legal fees, stamp duty, or processing charges.
- Individual banks may apply stricter or more lenient DSR policies based on credit score and product type.
This calculator provides estimates only. KiraSmart is not financial advice. Please verify with official sources or professionals before making decisions. Read full disclaimer
Rates last reviewed: 2026-05-20 · Accuracy: estimate