{"id":1974,"date":"2025-07-17T22:47:35","date_gmt":"2025-07-17T14:47:35","guid":{"rendered":"https:\/\/jblandedproperty.com\/?page_id=1974"},"modified":"2025-07-17T22:48:40","modified_gmt":"2025-07-17T14:48:40","slug":"dsr-ratio-checker-malaysia","status":"publish","type":"page","link":"https:\/\/jblandedproperty.com\/zh\/dsr-ratio-checker-malaysia\/","title":{"rendered":"DSR Ratio Checker Malaysia"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1974\" class=\"elementor elementor-1974\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13dde12 e-con-full e-flex e-con e-parent\" data-id=\"13dde12\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1520672 elementor-widget elementor-widget-html\" data-id=\"1520672\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!DOCTYPE html>\n\n<html lang=\"en\">\n<head>\n<meta charset=\"utf-8\"\/>\n<meta content=\"width=device-width, initial-scale=1.0\" name=\"viewport\"\/>\n<title>Malaysia Home Loan DSR Eligibility Calculator<\/title>\n<meta content=\"Use our detailed Malaysia housing loan eligibility calculator to estimate how much you can borrow based on your income and existing debts. Designed for buyers, investors, and agents.\" name=\"description\"\/>\n<meta content=\"Malaysia loan calculator, housing loan, DSR calculator, property loan eligibility, mortgage calculator Malaysia\" name=\"keywords\"\/>\n<meta content=\"AD Property Guide\" name=\"author\"\/>\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n<style>\n    body {\n      font-family: \"Segoe UI\", Roboto, sans-serif;\n      background: #f9fafb;\n      color: #111827;\n      line-height: 1.6;\n    }\n    h1, h2 {\n      color: #1f2937;\n    }\n    label {\n      display: block;\n      margin-top: 12px;\n      font-weight: 600;\n    }\n    input {\n      width: 100%;\n      padding: 8px 12px;\n      border-radius: 6px;\n      border: 1px solid #d1d5db;\n      margin-top: 4px;\n      background: #fff;\n    }\n    input:focus {\n      border-color: #2563eb;\n      outline: none;\n    }\n    button {\n      padding: 10px 20px;\n      background: #2563eb;\n      color: white;\n      font-weight: 600;\n      border: none;\n      border-radius: 6px;\n      cursor: pointer;\n      margin-top: 20px;\n    }\n    button:hover {\n      background: #1d4ed8;\n    }\n    .section {\n      background: #ffffff;\n      padding: 24px;\n      margin-bottom: 24px;\n      border-radius: 10px;\n      box-shadow: 0 4px 10px rgba(0,0,0,0.05);\n    }\n    #result {\n      margin-top: 30px;\n      border-top: 1px solid #e5e7eb;\n      padding-top: 20px;\n    }\n    canvas {\n      max-width: 100%;\n      margin-top: 20px;\n    }\n    hr {\n      margin: 24px 0;\n      border: none;\n      border-top: 1px solid #e5e7eb;\n    }\n    body { font-family: Arial, sans-serif; margin: 20px; max-width: 100%; width: 100%; }\n    label { display: block; margin-top: 10px; font-weight: bold; }\n    input { width: 100%; padding: 6px; margin-bottom: 10px; }\n    button { padding: 10px 20px; font-size: 16px; margin-top: 15px; }\n    #result { margin-top: 30px; border-top: 1px solid #ccc; padding-top: 20px; }\n    canvas { max-width: 100%; margin-top: 20px; }\n  <\/style>\n<\/head>\n<body>\n<h1>\ud83c\udfe0 Malaysia Home Loan Eligibility Calculator (DSR)<\/h1>\n<p>\n    Planning to buy property in Malaysia? Use this comprehensive DSR calculator to estimate your maximum housing loan based on your monthly income and commitments.\n    Supports salary, commissions (6-month average), rental income, and all types of debt including housing loans, car loans, credit cards, and personal loans.\n  <\/p>\n<hr\/>\n<div class=\"section\"><\/div><div class=\"section\"><h2>\ud83d\udcc8 Income Section<\/h2>\n<label>Basic Salary (RM)<\/label>\n<input id=\"basicSalary\" type=\"number\"\/>\n<small>This is your fixed monthly salary, declared and contributed to EPF.<\/small>\n<label>Commission - Last 6 Months (RM)<\/label>\n<small>Enter your past 6 months' commission. We'll calculate the average for monthly income.<\/small>\n<input id=\"comm1\" type=\"number\"\/><input id=\"comm2\" type=\"number\"\/>\n<input id=\"comm3\" type=\"number\"\/><input id=\"comm4\" type=\"number\"\/>\n<input id=\"comm5\" type=\"number\"\/><input id=\"comm6\" type=\"number\"\/>\n<label>Rental Income (RM)<\/label>\n<small>Monthly income from renting out properties.<\/small><input id=\"rentalIncome\" type=\"number\"\/>\n<label>Other Income 1<\/label>\n<small>Part-time job, online business, or other side income.<\/small><input id=\"otherIncome1\" type=\"number\"\/>\n<label>Other Income 2<\/label>\n<small>Freelance jobs, spouse contribution, etc.<\/small><input id=\"otherIncome2\" type=\"number\"\/>\n<label>Other Income 3<\/label>\n<small>Any other additional income stream.<\/small><input id=\"otherIncome3\" type=\"number\"\/>\n<label>Other Income 4<\/label>\n<small>Extra income from any other source (e.g., bonuses).<\/small><input id=\"otherIncome4\" type=\"number\"\/>\n\n\n\n<div class=\"section\"><h2>\ud83d\udcb8 Existing Debts<\/h2>\n<label>Housing Loan 1 (RM)<\/label>\n<small>Your current monthly installment for a mortgage loan.<\/small><input id=\"houseLoan1\" type=\"number\"\/>\n<label>Housing Loan 2 (RM)<\/label>\n<small>If you have a second mortgage loan, enter its monthly installment.<\/small><input id=\"houseLoan2\" type=\"number\"\/>\n<label>Car Loan 1 (RM)<\/label>\n<small>Monthly installment for your car loan.<\/small><input id=\"carLoan1\" type=\"number\"\/>\n<label>Car Loan 2 (RM)<\/label>\n<small>Another car loan, if applicable.<\/small><input id=\"carLoan2\" type=\"number\"\/>\n<label>Credit Card Limit 1 (RM)<\/label>\n<small>We calculate 5% of your credit card limit as commitment.<\/small><input id=\"cc1\" type=\"number\"\/>\n<label>Credit Card Limit 2 (RM)<\/label>\n<small>Second credit card limit.<\/small><input id=\"cc2\" type=\"number\"\/>\n<label>Credit Card Limit 3 (RM)<\/label>\n<small>Third credit card limit.<\/small><input id=\"cc3\" type=\"number\"\/>\n<label>Credit Card Limit 4 (RM)<\/label>\n<small>Fourth credit card limit.<\/small><input id=\"cc4\" type=\"number\"\/>\n<label>Personal Loan 1 (RM)<\/label>\n<small>Your monthly installment for any personal loan.<\/small><input id=\"pl1\" type=\"number\"\/>\n<label>Personal Loan 2 (RM)<\/label>\n<small>If you have another personal loan, enter it here.<\/small><input id=\"pl2\" type=\"number\"\/>\n<small>Second personal loan if applicable.<\/small>\n<label>Other Monthly Loan (RM)<\/label><small>Any other fixed monthly loans (e.g. renovation loan).<\/small><input id=\"otherLoan\" type=\"number\"\/>\n\n\n\n<div class=\"section\"><h2>\ud83c\udfe0 Loan Simulation<\/h2>\n<label>Loan Interest Rate (%)<\/label><input id=\"interestRate\" type=\"number\" value=\"4.2\"\/>\n<label>Loan Tenure (Years)<\/label><input id=\"loanYears\" type=\"number\" value=\"30\"\/>\n<label>Bank Max DSR (%)<\/label><input id=\"maxDSR\" type=\"number\" value=\"70\"\/>\n<\/div><div class=\"section\"><button onclick=\"calculateLoan()\">Calculate<\/button>\n<\/div><div class=\"section\" id=\"result\"><\/div>\n<canvas height=\"200\" id=\"dsrChart\" width=\"400\"><\/canvas>\n<script>\n    let loanChart;\n    function calculateLoan() {\n      const basic = parseFloat(document.getElementById(\"basicSalary\").value) || 0;\n      const comms = [\n        \"comm1\",\"comm2\",\"comm3\",\"comm4\",\"comm5\",\"comm6\"\n      ].map(id => parseFloat(document.getElementById(id).value) || 0);\n      const avgComm = comms.reduce((a,b)=>a+b,0) \/ 6;\n      const rental = parseFloat(document.getElementById(\"rentalIncome\").value) || 0;\n      const other = [\"otherIncome1\",\"otherIncome2\",\"otherIncome3\",\"otherIncome4\"].map(id => parseFloat(document.getElementById(id).value) || 0);\n      const totalIncome = basic + avgComm + rental + other.reduce((a,b)=>a+b,0);\n\n      const houseLoans = [\"houseLoan1\",\"houseLoan2\"].map(id => parseFloat(document.getElementById(id).value) || 0);\n      const carLoans = [\"carLoan1\",\"carLoan2\"].map(id => parseFloat(document.getElementById(id).value) || 0);\n      const ccLimits = [\"cc1\",\"cc2\",\"cc3\",\"cc4\"].map(id => parseFloat(document.getElementById(id).value) || 0);\n      const ccRepay = ccLimits.reduce((a,b)=>a+b,0) * 0.05;\n      const pls = [\"pl1\",\"pl2\", \"otherLoan\"].map(id => parseFloat(document.getElementById(id).value) || 0);\n      const totalDebts = houseLoans.concat(carLoans, pls).reduce((a,b)=>a+b,0) + ccRepay;\n\n      const dsrLimit = (parseFloat(document.getElementById(\"maxDSR\").value) || 70) \/ 100;\n      const availableLoan = (totalIncome * dsrLimit) - totalDebts;\n\n      const interest = (parseFloat(document.getElementById(\"interestRate\").value) || 4.2) \/ 100 \/ 12;\n      const months = (parseFloat(document.getElementById(\"loanYears\").value) || 30) * 12;\n      const maxLoan = availableLoan > 0 ? (availableLoan * (1 - Math.pow(1 + interest, -months))) \/ interest : 0;\n\n      const dsrUsed = totalIncome > 0 ? ((totalDebts + Math.max(availableLoan,0)) \/ totalIncome * 100).toFixed(2) : 0;\n\n      document.getElementById(\"result\").innerHTML = `\n        <h3>\ud83d\udcca Results<\/h3>\n        <p>\n        \ud83d\udcb0 Total Monthly Income: RM ${totalIncome.toFixed(2)}<br\/>\n        \ud83d\udcb3 Monthly Commitments: RM ${totalDebts.toFixed(2)}<br\/>\n        \ud83d\udce6 Affordable Housing Repayment: RM ${availableLoan.toFixed(2)}<br\/>\n        \ud83c\udfe6 Estimated Loan Amount: RM ${maxLoan.toFixed(2)}<br\/>\n        \ud83d\udd0d DSR Usage: ${dsrUsed}%\n        <\/p>`;\n\n      const ctx = document.getElementById(\"dsrChart\").getContext(\"2d\");\n      if (loanChart) loanChart.destroy();\n      loanChart = new Chart(ctx, {\n        type: \"doughnut\",\n        data: {\n          labels: [\"Existing Debts\", \"Loan Capacity\", \"Unused\"],\n          datasets: [{\n            data: [totalDebts, Math.max(availableLoan,0), Math.max((totalIncome*dsrLimit - totalDebts - Math.max(availableLoan,0)), 0)],\n            backgroundColor: [\"#f87171\",\"#34d399\",\"#e5e7eb\"]\n          }]\n        }\n      });\n    }\n  <\/script>\n<\/div><\/div><\/body>\n<\/html>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Malaysia Home Loan DSR Eligibility Calculator \ud83c\udfe0 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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1974","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/pages\/1974","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/comments?post=1974"}],"version-history":[{"count":4,"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/pages\/1974\/revisions"}],"predecessor-version":[{"id":1978,"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/pages\/1974\/revisions\/1978"}],"wp:attachment":[{"href":"https:\/\/jblandedproperty.com\/zh\/wp-json\/wp\/v2\/media?parent=1974"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}