mengira / calculatorsSEA Regional Suite
Housing Loan Eligibility. Estimate the maximum property price you qualify for under typical bank DSR limits. Interactive Mengira financial calculator with deterministic math: inputs are processed client-side, results update reactively, formulas documented in the on-page explainer.
Malaysia

Housing Loan Eligibility

Estimate the maximum property price you qualify for under typical bank DSR limits.

RM 8,000
RM 1,200
4.30 %
30 yr
70%
90%

Max property price

RM 987,911

Max monthly installment

RM 4,400

Max loan amount

RM 889,120

Total interest over tenure

RM 694,880

Outstanding balance

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Next Steps

Recommendations
Refinance & Check Eligibility
Compare home loan refinancing and new application offers from leading Malaysian bank aggregators.
Compare bank offers
Shortlist 2–3 banks and request their official PCB/loan letter.
Talk to a licensed advisor
For tax & loan decisions above RM200k, get a second opinion.

How the math works

Malaysian banks size your loan using the Debt Service Ratio — the share of net income they allow you to commit to all monthly debts. Once we know the maximum installment you can carry, we solve a standard reducing-balance amortization in reverse to recover the principal that produces it.

  1. 01

    Maximum monthly installment (DSR cap)

    MaxInstallment = NetMonthlyIncome × DSR − ExistingCommitments

    DSR typically 60–70%. Commitments include car loans, credit-card minimums and other personal financing.

  2. 02

    Convert installment to principal

    r = AnnualRate / 12 / 100
    n = TenureYears × 12
    MaxLoan = MaxInstallment × (1 − (1 + r)^−n) / r

    Standard present-value of an annuity formula (reducing-balance).

  3. 03

    Property price ceiling

    MaxPropertyPrice = MaxLoan / MarginOfFinance

    Margin of finance is the bank's loan-to-value, typically 70–90%.

  4. 04

    Amortization schedule

    Each month:
      Interest_m = Balance × r
      Principal_m = MonthlyPayment − Interest_m
      Balance ← Balance − Principal_m