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Mortgage
Home Loan Eligibility (DSR) Calculator
Explore an indicative housing budget with adjustable DSR, rate, margin, tenure, and age-cap assumptions—not a bank approval quote.
How the home loan eligibility estimate is calculated
Use income and commitments to find payment headroom
Enter monthly gross income, statutory deductions, supplementary income and existing monthly debts, then choose a DSR limit, rate, financing margin, age and tenure. Countable income = gross income − statutory deductions + supplementary income. Modeled housing payment headroom = countable income × DSR percentage ÷ 100 − existing commitments, floored at zero. The calculator converts that payment into a loan amount over the allowed model tenure.
Worked example: an illustrative borrowing scenario
RM5,000 gross pay − RM820 deductions + RM500 supplementary income gives RM4,680 countable income. With an illustrative 70% DSR limit and RM500 commitments, housing payment headroom is RM2,776. For age 30, 35 years, a 4.9% scenario rate and 90% financing, the model estimates a RM557,062.81 loan and RM618,958.68 property budget.
An estimate of capacity, not loan approval
The DSR limit, rate and financing margin are editable assumptions, not universal bank criteria. The model can shorten tenure using its age and tenure caps. It excludes purchase fees and does not assess credit history, income acceptance or a lender’s decision. Check the higher-rate scenarios and allow for living costs and a cash buffer before treating the result as a budget.