DSR Calculator
Your debt service ratio (DSR) is the share of your income that goes to loan payments. Check yours here, and see roughly how big a home loan banks may approve.
Enter your income and property price to see your DSR
DSR too high? You have options ↓
New monthly instalment
Monthly headroom
Estimated max loan
This result assumes a 70% cap, a middle-ground guide. Your real limit depends on your bank and income.
These are estimates only, not a bank offer.
What is DSR?
DSR (debt service ratio) is the share of your monthly income that goes to paying debts. It’s the first gate every Malaysian bank checks. If your DSR is over their limit, the loan is rejected, even if your down payment is ready.
How high can it go?
Bank Negara Malaysia does not publish one DSR number that every bank must use. Each bank sets its own limit, so any figure you hear is that bank’s own rule. As a rough guide only:
- Net income below RM5,000: often quoted around 60%
- RM5,000 to RM10,000: often quoted around 70%
- Above RM10,000: some banks go higher
Your credit record (CCRIS and CTOS) and the bank’s own rules decide the final answer.
What counts as a commitment?
Banks don’t take your word for it. They pull your CCRIS report (your central credit record) and count everything: car loans, credit card minimums (roughly 5% of what you owe), personal loans, PTPTN, other home loans, and even loans you guaranteed for someone else.
DSR too high? You have options
Clear the small, high-interest debts first, especially credit card balances, since CCRIS shows the last 12 months. Adding a co-borrower combines two incomes. A longer tenure lowers the monthly instalment, which lowers your DSR too.
Read the guide: DSR Explained: How Malaysian Banks Decide How Much You Can Borrow