Free Home Loan DSR Calculator Malaysia
Not sure if you qualify for a home loan? Use our free DSR calculator to find out in 3 minutes — and discover how many banks are likely to consider your application based on your income profile.
No registration. No fees. Completely free.
Free DSR & Eligibility Calculator
Find out your DSR and how many banks will consider you — takes 3 minutes
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What are you looking to do?
Please select your purpose
Step 2 — Your income type
Please select your income type
Step 3 — Your income details
Your salary before any deductions
Required
Enter 0 if government servant under pension scheme
KWSP deduction is required
Divided by 12 and added to monthly income
Variable income recognition is 50-70% depending on the bank
Average monthly figures
Required
KWSP is required
| Month | Basic (RM) | OT (RM) | Allowance (RM) | KWSP (RM) | PCB (RM) |
|---|---|---|---|---|---|
| 1 | |||||
| 2 | |||||
| 3 | |||||
| 4 | |||||
| 5 | |||||
| 6 |
Required
Average monthly commission
Required
| Month | Commission received (RM) |
|---|---|
| 1 | |
| 2 | |
| 3 | |
| 4 | |
| 5 | |
| 6 |
Required
Required
Required
Required
Required
Income tax declaration
Required
Company bank statement — average monthly
Required
Required
Step 4 — Property details
Required
Required
Required
Required
Your best estimate — not sure? Get a free check below
Required
Step 5 — Monthly commitments
Enter 0 or leave blank if not applicable. Click + Add to add more rows.
Personal loan
Car loan
Motorcycle loan
Existing home loan
Other commitments
Credit card
For reference only
Step 6 — Your details
Required
Required
Required
LPPSA consideration
Are you a government servant considering LPPSA financing?
Based on your income profile & DSR
—
out of 10 banks are likely to consider your application
WhatsApp Naim to find out which banks and what rate you qualify for
This DSR calculator is for estimation purposes only. Results may vary based on individual bank policies, credit assessment, and current interest rates.
Need help? WhatsApp Naim for a free consultation — naimmortgage.my
