Home Financing Calculator

Calculate your monthly installment, DSR, and check your eligibility

💰 Loan Details

Property Price (RM)

Down Payment (%)

Down Payment Amount

RM 45,000

Loan Amount

RM 405,000

Interest Rate (% p.a.)

Loan Tenure (years)

Monthly Installment

RM 1,793

Gross Monthly Income (RM)

Net Monthly Income (RM)

Existing Monthly Commitments

Car Loan (RM/mo)

Personal Loan (RM/mo)

Credit Card Min Payment (RM/mo)

Other Commitments (RM/mo)

Total Monthly DebtRM 2,593

✅ Eligible — Your DSR is within the acceptable range.

49.9%

0%60%70%100%

Banks typically approve loans with DSR below 60-70%

RM 2,607

Higher NDI = better financial health

Monthly InstallmentRM 1,793

Total Monthly DebtRM 2,593

Debt Service Ratio (DSR)49.9%

Net Disposable Income (NDI)RM 2,607

Status✅ Eligible