Mortgage calculator
Housing Loan Eligibility Calculator Malaysia
Estimate how much housing loan you may qualify for before preparing a bank submission.
Tool workspace
Housing Loan Eligibility Calculator inputs
Adjust the inputs and use the result as a quick estimate before a proper case review.
Mortgage
Housing Loan Eligibility Calculator
Estimate maximum loan from income, commitments and DSR.
Enter an amount above RM0. Commas are added automatically; up to 2 decimal places.
Optional; monthly instalments excluding the credit card balance below.
Optional; enter the outstanding balance, not minimum payment. 5% is treated as a monthly commitment.
Enter 0–25%; decimals are allowed, e.g. 3.8.
Enter a whole number from 1 to 35 years.
Enter 1–100%; actual bank limits vary by profile.
Illustrative result
RM 963,193
RM 4,150.00 available for a monthly instalment at the selected DSR.
- Estimated loan capacity
- RM 963,193
- Available instalment
- RM 4,150.00
- Assumed card commitment
- RM 250.00
- DSR at maximum estimate
- 70.00%
How it works
Read the result with the formula and assumptions in mind.
Short answer
This calculator estimates your maximum housing loan by turning your available monthly instalment into an approximate loan amount.
Formula
Calculation logic
Available instalment = net income x selected DSR - monthly commitments - assumed credit card commitment. Loan capacity is then reverse calculated from the instalment, rate and tenure.
Example
Worked scenario
Example: if net income is RM8,000, existing commitments are RM1,200 and the selected DSR is 70%, the calculator first estimates how much instalment room remains before converting it into loan capacity.
Assumptions
Before using the number
- Credit card outstanding is treated as a 5% monthly commitment estimate.
- Different banks may use different DSR caps, income recognition rules and stress rates.
- The result is an illustration, not a bank approval.
Interpretation
How to use the result
- Treat the maximum loan as a screening ceiling, not a comfortable spending target.
- Test a lower DSR and a higher rate to see how sensitive the estimate is.
- Document quality, credit conduct, property acceptability and each bank's policy can still change the outcome.
Method and sources
What supports the illustration
Methodology last reviewed 19 July 2026.
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