How much home loan can I get in Malaysia?

Malaysian banks size a home loan from your Debt Service Ratio (DSR) — total monthly commitments divided by net income. Most banks approve up to 60%–70% DSR, so a borrower earning RM6,000 net with RM1,000 of existing commitments can usually service an installment of roughly RM2,600–RM3,200, which at 2026 rates over 35 years supports a loan of about RM550,000–RM680,000. This calculator applies each bank's own DSR ceiling to your figures rather than a single generic rule.

What is DSR and how is it calculated?

DSR (Debt Service Ratio) = total monthly debt commitments ÷ net monthly income, expressed as a percentage. Commitments include car loans, personal loans, PTPTN, credit card minimums (banks typically count 5% of the outstanding balance) and the proposed new home loan installment. A DSR below 60% is comfortable at most Malaysian banks; above 70% the application is usually declined or requires a guarantor.

Which Malaysian bank will approve my home loan?

Approval depends on each bank's DSR ceiling, minimum income, and how it treats variable income and existing commitments. This tool checks your profile against the lending criteria of the Malaysian banks in our database and marks each one eligible, borderline or not eligible, with the maximum loan, estimated installment and effective rate for each.

Does the calculator affect my credit score?

No. Nothing is submitted to any bank, no CCRIS or CTOS record is created, and no credit check is performed. The calculation runs on the figures you enter and is for planning only — a formal approval still requires a full application with documents.

What income do banks accept for a Malaysian home loan?

Banks use net income after EPF and SOCSO. Fixed salary is taken in full; variable income such as commission, overtime, bonus and allowances is usually haircut to 50%–80% and needs 3–6 months of payslips or bank statements. Self-employed applicants are typically assessed on 2 years of tax returns (Form B/BE) or 6–12 months of business bank statements.

How much deposit do I need to buy a house in Malaysia?

The standard margin of finance is 90% for your first two residential properties, so budget a 10% downpayment plus entry costs — stamp duty on the transfer (MOT), legal fees for the sale and loan agreements, valuation and disbursements. From the third property onward the margin usually drops to 70%. Use the Total Cash Needed calculator for the full upfront figure.

Can I get a home loan with an existing car loan?

Yes, but the car installment counts fully toward your DSR and directly reduces the home loan you can service. Roughly every RM1,000 of monthly car commitment cuts your affordable property price by about RM200,000 at 2026 rates. Settling or refinancing small commitments before applying is often the fastest way to raise your approval amount.

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AI analyses your profile against 14 Malaysian banks — salaried, business, or freelancer — and shows exactly what you qualify for.

Real DSR limits per bank
CCRIS & PTPTN impact
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Your Result8 banks eligible

GOOD

Max Loan

RM 720,000

Monthly Installment

RM 3,240 / mo

Maybank

Eligible92

CIMB Bank

Eligible87

RHB Bank

Eligible74

Public Bank

Borderline48

+ 10 more banks analysed

Sample result — not real data

MaybankCIMB BankPublic BankRHB BankHong Leong BankAmBankBank IslamMBSB BankBSNAlliance BankUOB MalaysiaOCBC MalaysiaHSBC AmanahStandard CharteredMaybankCIMB BankPublic BankRHB BankHong Leong BankAmBankBank IslamMBSB BankBSNAlliance BankUOB MalaysiaOCBC MalaysiaHSBC AmanahStandard Chartered

Banks Analysed

Employment Types

35yr

Max Tenure

~30s

Time to Result

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Tell us about yourself

Employment type, income, and existing loan commitments. Takes under a minute.

AI runs the numbers

Our AI calculates your DSR and checks it against each bank's actual lending criteria.

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See which banks will approve you, how much you qualify for, and how to improve.

Home loan eligibility in Malaysia: common questions

How much home loan can I get in Malaysia?: Malaysian banks size a home loan from your Debt Service Ratio (DSR) — total monthly commitments divided by net income. Most banks approve up to 60%–70% DSR, so a borrower earning RM6,000 net with RM1,000 of existing commitments can usually service an installment of roughly RM2,600–RM3,200, which at 2026 rates over 35 years supports a loan of about RM550,000–RM680,000. This calculator applies each bank's own DSR ceiling to your figures rather than a single generic rule.
What is DSR and how is it calculated?: DSR (Debt Service Ratio) = total monthly debt commitments ÷ net monthly income, expressed as a percentage. Commitments include car loans, personal loans, PTPTN, credit card minimums (banks typically count 5% of the outstanding balance) and the proposed new home loan installment. A DSR below 60% is comfortable at most Malaysian banks; above 70% the application is usually declined or requires a guarantor.
Which Malaysian bank will approve my home loan?: Approval depends on each bank's DSR ceiling, minimum income, and how it treats variable income and existing commitments. This tool checks your profile against the lending criteria of the Malaysian banks in our database and marks each one eligible, borderline or not eligible, with the maximum loan, estimated installment and effective rate for each.
Does the calculator affect my credit score?: No. Nothing is submitted to any bank, no CCRIS or CTOS record is created, and no credit check is performed. The calculation runs on the figures you enter and is for planning only — a formal approval still requires a full application with documents.
What income do banks accept for a Malaysian home loan?: Banks use net income after EPF and SOCSO. Fixed salary is taken in full; variable income such as commission, overtime, bonus and allowances is usually haircut to 50%–80% and needs 3–6 months of payslips or bank statements. Self-employed applicants are typically assessed on 2 years of tax returns (Form B/BE) or 6–12 months of business bank statements.
How much deposit do I need to buy a house in Malaysia?: The standard margin of finance is 90% for your first two residential properties, so budget a 10% downpayment plus entry costs — stamp duty on the transfer (MOT), legal fees for the sale and loan agreements, valuation and disbursements. From the third property onward the margin usually drops to 70%. Use the Total Cash Needed calculator for the full upfront figure.
Can I get a home loan with an existing car loan?: Yes, but the car installment counts fully toward your DSR and directly reduces the home loan you can service. Roughly every RM1,000 of monthly car commitment cuts your affordable property price by about RM200,000 at 2026 rates. Settling or refinancing small commitments before applying is often the fastest way to raise your approval amount.