See how much property you can afford in Malaysia, based on your income, existing commitments and the bank's debt service ratio.
You can afford a property up to
RM 928,488.17
with RM 3,700.00/mo and a RM 92,848.82 down payment
You can afford a property up to: RM 928,488.17
A guide only. Actual approval depends on your credit profile, the bank's DSR policy and the property valuation.
RM6,000 income, RM500 commitments
At 70% DSR, 4% rate and 35-year tenure with a 90% loan margin.
Up to ~RM930k
Higher existing commitments
Current loans reduce how much you can borrow.
Lower budget
How the figures above are worked out — the rules, rates and reasoning behind every line.
Banks decide what you can borrow mainly from your debt service ratio (DSR): the share of your income that can go to loan repayments.
We work backwards from the installment you can support to a maximum loan, then to a property price after your down payment.
Affordable installment = income × DSR − existing commitments. We reverse the loan formula to find the maximum loan that installment supports, then divide by the margin of finance to get the property price.
A higher DSR, longer tenure or lower rate all raise how much you can borrow.
The maximum a bank allows is not always wise to take. Leave room for rate rises, maintenance and life, and aim below your ceiling.
It depends on your debt service ratio. Banks typically allow total repayments of around 60–70% of your income, minus your existing commitments, then size the loan to that installment.
DSR is the percentage of your income that goes to all loan repayments. Most banks cap it around 60–70%, though it varies with income and credit profile.
Banks usually finance up to 90% of the property price for your first two homes, so plan for at least a 10% down payment plus stamp duty and legal fees.
Every figure is based on official Malaysian sources. Always confirm against the originals before filing or making financial decisions.
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