Tools
DSR Calculator
Debt Service Ratio is the single biggest factor in Malaysian home-loan approval. Enter your net income and existing commitments to see where you stand — and how much mortgage banks are likely to approve.
Take-home pay after EPF, SOCSO & tax.
Car loan, credit card minimum, PTPTN, personal loans, other mortgages.
Estimated monthly repayment for the property you're considering — try our mortgage calculator first.
Your DSR
50%
Likely approved
- Total monthly debt
- RM 2,500
- Max affordable mortgage
- RM 2,500
- Headroom vs 60% cap
- RM 500
What is DSR?
Debt Service Ratio is the percentage of your net monthly income that goes to debt repayments. Bank Negara Malaysia uses DSR as the primary affordability check — if you're over the threshold, your home loan will be rejected regardless of how much down payment you've saved.
Typical bank thresholds
- — Net income under RM 5,000/month: most banks cap at 60%
- — Net income RM 5,000-10,000: typically 70%
- — Net income above RM 10,000: some banks allow 80% or more
The exact cap varies by bank, your credit score (CCRIS & CTOS), and whether the property is for own-stay or investment.
What counts as a "commitment"?
Banks pull your CCRIS report and tally everything that shows up: car loans, credit card minimums (5% of outstanding balance), personal loans, PTPTN study loans, other property mortgages, and any guarantor obligations. They'll spot what you forgot — so be honest with the numbers above.
If your DSR is too high
- — Pay off (or down) your highest-interest commitments first
- — Add a co-applicant (joint loan with spouse boosts combined income)
- — Lengthen the loan tenure (lowers monthly repayment) — use our mortgage calculator to see the tradeoff
- — Reduce credit card outstanding balances 1-2 months before applying (CCRIS reports a 12-month history)
Estimates only. Actual bank approval depends on your full CCRIS/CTOS profile, employment stability, and the lender's internal scorecard.