Can I Refinance with High DSR in Malaysia?
Yes, you can refinance with high DSR. While most banks cap at 70%, Hong Leong accepts up to 75%, and some banks go case-by-case up to 80% for strong applicants. Options include adding a co-borrower, debt consolidation, or working with a mortgage broker who knows which banks are flexible.
Bank DSR Limits
| Bank | Standard DSR | Maximum | Best For |
|---|---|---|---|
| Hong Leong | 70% | 75% | High DSR applicants |
| CIMB | 70% | 75% | Self-employed |
| Maybank | 70% | 75% | Existing customers |
| RHB | 70% | 70% | Standard cases |
| Public Bank | 65% | 70% | Low-risk only |
| AmBank | 70% | 70% | Standard cases |
How to Refinance with High DSR
1. Add a Co-Borrower
Spouse or family member's income combined = lower DSR
2. Debt Consolidation Refinance
Roll credit cards and personal loans into home loan at lower rate
Learn more3. Pay Off Small Debts First
Clearing a RM500/month car loan can drop DSR by 5-10%
4. Choose Longer Tenure
35 years vs 25 years = lower monthly payment = lower DSR
5. Work with a Mortgage Broker
Brokers know which banks are flexible for your profile
What If I Am Still Rejected?
- Wait 3-6 months before reapplying
- Pay down existing debts
- Try a different bank
- Consider cash-out to consolidate debts
Struggling with High DSR?
Our specialists help tough cases get approved.
Frequently Asked Questions
Can I refinance with 70% DSR?
Yes, most Malaysian banks accept refinancing applications with 70% DSR as their standard limit. Hong Leong and CIMB may approve up to 75% on a case-by-case basis for strong applicants with good credit history and stable income.
Which bank accepts highest DSR in Malaysia?
Hong Leong Bank typically accepts the highest DSR in Malaysia, approving up to 75% DSR for eligible applicants. CIMB and Maybank may also go up to 75% for existing customers or exceptional cases. Public Bank is more conservative at 65-70%.
How to lower my DSR for refinancing?
To lower your DSR: 1) Pay off or settle small debts like credit cards or personal loans, 2) Add a co-borrower to increase combined income, 3) Choose a longer loan tenure to reduce monthly payments, 4) Consider debt consolidation to combine high-interest debts into your home loan.
Can I add my spouse to reduce DSR?
Yes, adding your spouse as a co-borrower is one of the most effective ways to reduce DSR. The bank will calculate DSR based on combined household income, which can significantly lower your DSR percentage and improve approval chances.