Short answer
This is a mock article for previewing the blog layout. In a real case, eligibility depends on net income, commitments, credit card exposure, tenure, interest rate and bank DSR treatment.
Example calculation
If net income is RM8,000 and the bank allows 70% DSR, the total monthly commitment room starts at RM5,600. After RM1,200 existing commitments, the estimated room for a mortgage instalment is RM4,400 before bank-specific adjustments.
What to check next
- Latest three months payslip or bank statement.
- CCRIS and credit card outstanding amount.
- Property price, margin of finance and expected loan tenure.
- Any joint borrower income or shared commitment treatment.