Mortgage Calculator
Work out your monthly home loan installment and see how it compares to your real take-home pay, not just your gross salary.
Your loan breakdown
High — this loan alone takes up a large share of your take-home pay
This only counts this loan against your take-home pay. Banks calculate DSR using gross income and all your existing debts (car loans, credit cards, other mortgages) combined, so your actual bank-assessed DSR will differ from this estimate.
This is a planning estimate using the standard amortising loan formula. Actual bank approval, interest rates and DSR calculations depend on the specific bank, your credit profile, and all your existing financial commitments — always confirm with a bank or licensed financial advisor before making a purchase decision.
Why DSR matters more than the sticker price
Two people earning the same gross salary can have very different real borrowing power once take-home pay and existing commitments are factored in — which is why lenders look at Debt Service Ratio, not just income. Checking your DSR before house-hunting gives you a realistic budget instead of finding out after a bank has already rejected an application.
Frequently asked questions
What DSR do Malaysian banks typically accept for a home loan?
There's no single legal cap — each bank sets its own threshold. As a general pattern, a DSR under 30-40% is usually seen as comfortable, the 40-60% range gets closer scrutiny, and above 60-70% approval typically needs a strong income profile or collateral. Banks calculate this using your gross income and all existing debts combined, not just this one loan.
Does this calculator include legal fees and stamp duty?
No — this tool calculates only the loan installment, total interest and DSR for the loan itself. Legal fees, stamp duty, valuation fees and other one-off purchase costs are separate and aren't included here; budget for them on top of the figures above.