DSR Calculator Malaysia
Find the maximum home loan and monthly instalment your income and existing commitments can carry under a bank's debt service ratio (DSR) limit.
Net income is after EPF, SOCSO, EIS and PCB. Commitments are car loans, PTPTN, personal loans, credit cards and other housing loans. Banks use roughly 60% to 70% depending on the income band; a few allow more for high earners.
Maximum loan
RM 609,791
Maximum monthly instalment
RM 2,700
Estimate only. Each bank sets its own DSR ceiling and decides how to count variable income and credit card limits; the interest rate is an assumption, so use the rate in your offer letter. The loan is usually 90% of the price for a first or second home, so you also need the down payment, legal fees and stamp duty in cash.
How the Maximum Loan Is Worked Out
| Step | Formula |
|---|---|
| DSR | (Commitments + new instalment) ÷ net income × 100 |
| Maximum instalment | Net income × DSR limit − existing commitments |
| Maximum loan | Maximum instalment ÷ instalment per RM1 borrowed |
The default rate of 4.0% sits close to the Standardised Base Rate (which tracks the 2.75% OPR) plus a typical bank spread. Read more in our housing loans and DSR guide and how DSR is calculated, then browse homes for sale within your budget.
Frequently Asked Questions
How is DSR calculated for a home loan in Malaysia?
DSR is your total monthly debt repayments, including the new home loan instalment, divided by your net monthly income, times 100. For example, a RM4,000 net salary with RM1,000 of existing commitments and a RM1,500 new instalment gives (RM2,500 / RM4,000) x 100 = 62.5%.
What DSR limit do Malaysian banks use?
Bank Negara Malaysia does not publish one DSR number; each bank sets its own ceiling. Most banks use 60% to 70% for the average borrower: about 60% below RM3,000 net income, 60% to 65% for RM3,000 to RM5,000, and 65% to 70% for RM5,000 to RM10,000. Some banks allow 80% or more for high earners.
How much home loan can I get on my income?
Multiply your net income by the bank's DSR limit, subtract your existing commitments, and divide what is left by the instalment per RM1 borrowed. At 4.0% over 35 years, every RM100,000 costs about RM443 a month, so RM5,000 net income with RM800 of commitments at a 70% limit supports a loan of about RM609,800.
How can I improve my DSR before applying?
Settle or reduce existing debts, raise your provable income, apply jointly so both incomes count, or extend the tenure, since a longer tenure lowers the monthly instalment. Maximum tenure is generally 35 years. A joint application combines both net incomes, which lowers the ratio.