Mortgage calculator
Housing Loan Eligibility Calculator Malaysia
Estimate how much housing loan you may qualify for before preparing a bank submission.
Short answer
Housing Loan Eligibility Calculator
This calculator estimates your maximum housing loan by turning your available monthly instalment into an approximate loan amount.
Best used for
Quick estimate before deeper review.
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.
Result
RM 963,193
RM 4,150 available for monthly instalment at selected DSR.
How it works
Read the result with the formula and assumptions in mind.
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.