Your profile
Banks assess salaried and self-employed applicants differently. This sets your income-recognition rules.
Monthly income
Banks don't use your take-home pay. They recognise each income type at a different percentage, then deduct statutory contributions.
Existing monthly commitments
Most rejections come from here, not from income. Enter the monthly instalment for each.
Documents (optional — auto-fill)
Upload your payslip, EPF statement, EA form or income tax form and we'll try to read the numbers for you. Files are processed entirely inside your browser and are never uploaded to any server.
Your screening result
Estimated using publicly published 2026 Malaysian bank rates and DSR guidelines.
Indicative bank comparison
Maximum loan each lender may consider at your recognised income and their published DSR ceiling.
How Malaysian banks actually assess your home loan
Bank Negara Malaysia does not fix a single DSR cap. Under the Guidelines on Responsible Financing, each bank must run its own affordability assessment — which is why two banks can give you different answers on the same day. What they share is the arithmetic:
- DSR = (total monthly commitments ÷ recognised net income) × 100%
- Most banks work to a ceiling around 60%; borrowers recognised above RM10,000/month net are often stretched to 70–80%.
- Your credit card limit — not your balance — usually counts at 5% per month.
- Rental income is typically recognised at 70–80% of gross, and only with a stamped tenancy agreement.
- For joint applications, most banks take the lower of the two incomes rather than the average.
Why the price ceiling matters more than the rate
A 0.25% rate difference on a RM500,000 loan over 30 years is roughly RM70/month — real, but small next to the effect of a 5-percentage-point DSR band. Raising your recognised income by RM1,000/month typically unlocks far more borrowing capacity than shopping for the cheapest spread. That is why this tool calculates from your commitments upward, not from the sticker rate downward.
Frequently asked questions
Does using this affect my CCRIS record?
No. Nothing is submitted to any bank or credit bureau. Every calculation runs locally in your browser, and no application is created. Checking your own numbers here leaves no footprint.
Is this a loan approval or pre-approval?
Neither. This is an educational estimate built from publicly published bank rates and DSR guidelines. Only a licensed financial institution can confirm eligibility after reviewing your documents, your CCRIS record and a property valuation.
Can I get a 100% loan / zero down payment?
For residential property, banks generally cap financing at 90% of the purchase price or valuation, whichever is lower, for your first two homes. The remaining 10% must come from your own funds, EPF Account 2 withdrawal, or a combination. Some developer-backed schemes restructure this, but the risk is priced in somewhere.
I'm self-employed. Why does my income look lower here?
Banks typically recognise self-employed income from a two-year average of declared taxable income, then apply a further discount. This tool recognises self-employed and commission income at 80% of the figure you enter. If you declare conservatively for tax, expect the bank to assess you conservatively too.
What is the difference between DSR and CCRIS?
DSR is a ratio — how much of your income is committed to debt right now. CCRIS is a conduct record — whether you have actually paid on time. A clean DSR with a bad CCRIS still gets rejected, and vice versa. Banks weigh both.
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