DSR Ratio Checker Malaysia

Malaysia Home Loan DSR Eligibility Calculator

🏠 Malaysia Home Loan Eligibility Calculator (DSR)

Planning to buy property in Malaysia? Use this comprehensive DSR calculator to estimate your maximum housing loan based on your monthly income and commitments. Supports salary, commissions (6-month average), rental income, and all types of debt including housing loans, car loans, credit cards, and personal loans.

📈 Income Section

This is your fixed monthly salary, declared and contributed to EPF. Enter your past 6 months' commission. We'll calculate the average for monthly income. Monthly income from renting out properties. Part-time job, online business, or other side income. Freelance jobs, spouse contribution, etc. Any other additional income stream. Extra income from any other source (e.g., bonuses).

💸 Existing Debts

Your current monthly installment for a mortgage loan. If you have a second mortgage loan, enter its monthly installment. Monthly installment for your car loan. Another car loan, if applicable. We calculate 5% of your credit card limit as commitment. Second credit card limit. Third credit card limit. Fourth credit card limit. Your monthly installment for any personal loan. If you have another personal loan, enter it here. Second personal loan if applicable. Any other fixed monthly loans (e.g. renovation loan).

🏠 Loan Simulation