What House Price Can You Actually Afford?
Enter your gross salary, monthly commitments (car loan, PTPTN, credit cards), and your savings. This calculator shows a realistic home price ceiling based on how Malaysian banks actually assess your eligibility — not the optimistic estimate that might disappoint you later.
Salary before deductions (EPF, SOCSO, income tax)
Car loan, PTPTN, credit cards, and other monthly obligations
Including ASB savings, EPF Account 2 withdrawals, and other funds
Your home repayment capacity: RM 1,150/month
(1/3 salary minus existing commitments — standard Malaysian bank assessment)
Understanding DSR: How Malaysian Banks Actually Assess You
Debt Service Ratio (DSR) is how banks determine whether you can take on one more monthly commitment. Malaysian banks generally cap DSR at 1/3 (33%) of gross salary — meaning no more than one-third of your income can go toward servicing all debts combined, including the home loan you're applying for.
A concrete example: Salary RM5,000 → total commitment ceiling = RM1,650/month. If you already have a car loan of RM600 and PTPTN of RM200, your remaining room for a home loan = RM850/month only.
Why this matters: Many buyers approach a property with a price in mind, unaware that existing commitments have already consumed much of their DSR capacity. Calculate first. Don't be caught off guard later.
For civil servants: LPPSA uses a different DSR formula and can offer financing up to 100% of the property value. If you're a government employee, the figures from this calculator may be more conservative than what LPPSA would actually approve.
Documents to Prepare Before Applying for a Home Loan
Get these ready early. A complete file speeds up approval significantly.
- • Last 3 months' payslips or EA Form
- • 3 months' bank statements (to verify income entry)
- • CCRIS / CTOS (banks will check automatically — but check yours first at eCCRIS, free of charge)
- • MyKad front and back
- • Offer letter (if employed less than 1 year)
- • For civil servants: position confirmation letter from department head via HRMIS
Now you know your budget ceiling. The next step is much simpler.
We list Kedah property projects from RM200k in Bedong to RM500k+ in Kulim, with real prices and transparent financing information. Contact us and we'll suggest options that genuinely fit your budget — not the most expensive you can technically afford.