Property Loan Eligibility

DSR-based calculator with 35-year tenure and 3.65% p.a. interest. Credit card monthly commitment = 5% of limit.

INPUTS

Monthly Salary (RM)

Car Loan (Monthly RM)

PTPTN (Monthly RM)

Existing Home Loan (Monthly RM)

Tenure (years)

yrs

DSR Rule

Auto-applies: 70% if ≤ RM5,000; 75% if > RM5,000. Bike Loan (Monthly RM)

Personal Loan (Monthly RM)

Credit Card Limit (RM)

Interest p.a. (%)

DSR Limit (RM)

—

Total Existing Commitments (RM)

—

Affordable Monthly for New Property (RM)

—

Max Property Loan You Can Apply (RM)

—

Effective Monthly Rate (%/Month)

—

Tenure (months)

—

Note: This is an estimate for planning purposes. Bank policies, CCRIS/CTOS, age limits, and other factors may affect actual eligibility.

Formula:
Loan = Payment × (1 − (1 + r)−n) / r, where r = annualRate/12, n = months.