Home Loan Eligibility Calculator Malaysia 2026

How Much Home Loan Can You Get?

Calculate your maximum loan eligibility based on your salary and Malaysian bank requirements

70% DSR limitUp to 35 years tenureAll major banks

Calculate Your Home Loan Eligibility

Basic Information

Add Co-Borrower

Existing Monthly Commitments

Loan Settings

3.5%6.0%

Your Eligibility Status

Excellent! Your eligibility looks strong.

Your Loan Eligibility

Maximum Loan Amount

RM 0

Max Monthly Instalment

RM 0

Max Property Price

RM 0

at 90% margin

Loan Tenure

35 years

Total Income

RM 0

Your Current DSR

0.0%

DSR After New Loan

0.0%

Banks typically approve up to 70% DSR

*Estimates based on standard bank requirements. Actual approval depends on individual assessment.

Loan Eligibility Based on Salary

Quick reference for estimated loan amounts at different salary levels

Monthly SalaryMax Loan (Est.)Max PropertyMonthly Payment
RM 3,000~RM 150,000~RM 170,000~RM 750
RM 5,000~RM 280,000~RM 310,000~RM 1,400
RM 8,000~RM 480,000~RM 530,000~RM 2,400
RM 10,000~RM 600,000~RM 670,000~RM 3,000
RM 15,000~RM 900,000~RM 1,000,000~RM 4,500

*Based on 70% DSR, 4.5% interest, 30-year tenure, no existing debts

How We Calculate Your Eligibility

DSR Formula

DSR = (Total Debts / Gross Income) × 100

Banks typically limit DSR to 70%. Lower DSR = higher approval chances.

Max Instalment

Max Instalment = Income × 70% - Existing Debts

This determines the maximum monthly payment you can afford.

Loan Tenure

Tenure = min(35 years, 70 - your age)

Younger borrowers get longer tenure, meaning lower monthly payments.

Max Loan Amount

PMT formula based on instalment, rate, tenure

Uses standard amortization calculation for fixed-rate loans.

Use our DSR Calculator for detailed analysis

Joint Home Loan Eligibility

How adding a co-borrower increases your loan eligibility

Benefits of Joint Loan

  • Combined income = Higher loan amount
  • Tenure based on younger borrower = Longer repayment period
  • Shared responsibility = Lower individual risk
  • Afford better property = More options available

Important Considerations

  • Both parties are equally liable for the full loan
  • Co-borrower's debts also affect combined DSR
  • Both credit histories are checked
  • Relationship changes can complicate matters

Tip: Adding a spouse or family member as co-borrower is the fastest way to increase your loan eligibility if your income alone doesn't qualify for your desired property.

Eligibility by Bank

Different banks have different eligibility criteria

BankMax DSRMax TenureMax AgeMax MarginDetails
Maybank70%35 years7090%View
CIMB70%35 years7090%View
Public Bank65%35 years6590%View
Hong Leong75%35 years7090%View
RHB70%35 years7090%View
AmBank70%35 years7090%View

Income Types Accepted by Banks

How banks value different income sources

Basic salary100%
Fixed allowances100%
Overtime50-70%
Commission50% of 6-month average
Rental income80%
Business incomeBased on tax returns
Pension100%
EPF withdrawalCase by case

What Affects Your Loan Eligibility

Key factors banks consider when assessing your application

Age

Affects maximum loan tenure. Younger borrowers get longer tenure.

Existing Debts

Car loans, credit cards, and personal loans reduce your DSR capacity.

Credit Score

CCRIS and CTOS reports show payment history to banks.

Employment Stability

Minimum 6 months - 2 years with current employer preferred.

Property Type

Residential properties get better margins than commercial or land.

Documentation

Complete salary slips, EA forms, and bank statements required.

How to Improve Your Eligibility

Practical steps to increase your loan approval chances

1
Pay off credit card balances in full
2
Close unused credit card accounts
3
Add a co-borrower to increase income
4
Choose longer tenure for lower instalments
5
Clear small debts first (BNPL, store cards)
6
Wait until salary increment before applying
What to do if your home loan is rejected

This Calculator vs DSR Calculator

Which calculator should you use?

FeatureEligibility CalculatorDSR Calculator
Question it answers"How much can I borrow?""Can I afford this loan?"
InputYour income & debtsYour income & specific loan
OutputMaximum loan amountYour DSR percentage
Best forPlanning budgetChecking specific loan
Try DSR Calculator

Frequently Asked Questions

How much home loan can I get with RM5,000 salary?
With a RM5,000 monthly salary and no existing debts, you can typically qualify for around RM280,000 - RM300,000 home loan. This assumes 70% DSR limit, 4.5% interest rate, and 30-year tenure. Your actual eligibility depends on existing commitments and credit history.
What is the maximum housing loan in Malaysia?
There's no fixed maximum housing loan amount in Malaysia. It depends on your income, DSR (typically 70% limit), age, and the property value. High-income earners can get loans in the millions. The key constraint is your debt servicing ability, not an arbitrary cap.
How do Malaysian banks calculate loan eligibility?
Banks use the Debt Service Ratio (DSR) formula: (Total Monthly Debts / Gross Monthly Income) × 100. Most banks allow up to 70% DSR. They also consider: age (affects tenure), credit score (CCRIS/CTOS), employment stability, and income type.
Can I get a home loan with 70% DSR?
Yes, 70% DSR is the standard maximum for most Malaysian banks. This means your total monthly debt payments (including the new loan) cannot exceed 70% of your gross income. Some banks like Hong Leong allow up to 75% DSR for certain profiles.
Does age affect home loan eligibility?
Yes, age affects your maximum loan tenure. Banks calculate tenure as the lower of: 35 years OR (70 minus your age). So a 40-year-old gets maximum 30 years tenure. Shorter tenure means higher monthly payments, which affects how much you can borrow.
How does joint loan increase eligibility?
Joint loans combine both borrowers' incomes, increasing the total income used for DSR calculation. For example, if you earn RM5,000 and your spouse earns RM4,000, banks calculate using RM9,000 combined income. The tenure is based on the younger borrower's age.
What income documents do banks need?
Banks typically require: latest 3-6 months salary slips, latest EA form (Borang EA), 6 months bank statements showing salary credits, EPF statement, and IC copy. Self-employed need: 2 years tax returns (Form B/BE), business registration, and 6-12 months bank statements.
Can self-employed get home loans?
Yes, self-employed individuals can get home loans but face stricter requirements. Banks want 2-3 years of business operation, income tax returns, and may apply a 30-50% haircut on declared income. Some banks offer programs specifically for self-employed borrowers.
How to check CCRIS for loan eligibility?
You can check your CCRIS report at any Bank Negara Malaysia office for free, or online through eCCRIS portal. The report shows your payment history for the past 12 months and outstanding loans. Clean CCRIS (no late payments) improves approval chances.
What if my loan eligibility is rejected?
If rejected, ask the bank for specific reasons. Common solutions: pay down existing debts, add a co-borrower, try a different bank with higher DSR limits, apply for a lower loan amount, or wait to improve credit score. Our advisors can help identify the best bank for your profile.

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