DSR calculator
Your debt service ratio is every monthly commitment you have, including the home loan you are applying for, divided by your net monthly income. Malaysian banks generally approve up to about 70%, and are more generous to higher earners than to lower ones. Credit cards count even when you clear them — most banks treat 5% of the outstanding balance as a monthly commitment — and rental or commission income is usually only counted at around 80%. Enter your income, the loan you want and what you already owe, and this works out both your ratio and the largest loan you have room for.
Free · No sign-up · Rates checked September 2026
Your income
Take-home pay, after EPF, SOCSO and tax have come out. That is the figure most banks assess against.
If you are applying jointly, add both incomes together.
Counted at 80% of what you enter, which is the usual haircut on income a bank cannot see on a payslip. Some banks are stricter still.
The home loan you want
The instalment is worked out from this, so you do not have to know it in advance.
An instalment of RM2,827.39 a month.
What you already owe each month
Everything showing on your CCRIS record counts, whether or not you think of it as a commitment.
Enter the balance, not a payment. Banks count 5% of it as a monthly commitment — RM0 here — even if you clear the card in full each month.
Your debt service ratio
45.3%
RM3,627 of commitments against RM8,000 of counted income.
Healthy
The range most approved home loans sit in. Expect a straightforward assessment on income of this size.
How it adds up
What you have room for
At a 70% ratio, and with the commitments above already counted, you have room for an instalment of about RM4,800 a month. Over 35 years at 4.1%, that is a loan of roughly RM1,069,536 — about RM1,188,373 of property at a 90% margin.
An indication, not an approval. Banks weigh your credit record, how long you have been in the job and the property itself, and a higher earner is routinely allowed a higher ratio than this.
How the ratio is worked out
Add up every monthly commitment showing on your CCRIS record — car loan, personal loan, any existing home loan, PTPTN, and 5% of each credit card balance outstanding — then add the instalment on the loan you are applying for. Divide that total by your net monthly income and express it as a percentage. That is your DSR. Rental, commission and bonus income goes into the divisor at 80% of face value rather than in full.
How the bands read
| Debt service ratio | What it means |
|---|---|
| 0–40% | Comfortable |
| 40–60% | Healthy |
| 60–70% | Tight |
| 70–85% | Over the usual limit |
| Over 85% | Very unlikely |
A guide rather than a rule. Every bank scores this slightly differently, and the 70% line moves with income — the higher your earnings, the more latitude you are given, because what is left in absolute ringgit matters as much as the ratio.
What each income can borrow with no other commitments, at 4.1% over 35 years
| Net monthly income | Instalment at 70% | Loan it supports | Property at 90% margin |
|---|---|---|---|
| RM5,000 | RM3,500 | RM779,870 | RM866,522 |
| RM8,000 | RM5,600 | RM1,247,792 | RM1,386,435 |
| RM12,000 | RM8,400 | RM1,871,688 | RM2,079,653 |
| RM20,000 | RM14,000 | RM3,119,479 | RM3,466,088 |
A ceiling, not a target. Every existing commitment comes straight off the instalment column, and borrowing to the ceiling leaves nothing for maintenance charges, a rate rise or a month without work.
Before you apply anywhere
- Pull your own CCRIS report — Free, from Bank Negara's eCCRIS portal, in minutes. It shows exactly what the bank will see — including commitments you forgot and any late payment in the last twelve months. Check CTOS alongside it.
- Clear what you can — A credit card balance moves your ratio fastest, because only 5% of it counts but it counts every month.
- Apply to two or three banks at once — Every application shows on your record, and a run of declines spread over months reads far worse than several enquiries in the same fortnight.
The gap between the best and worst offer you get is usually worth more over the life of the loan than anything you negotiate off the purchase price.