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Loan Affordability Quick Check

Find out how much you can borrow based on your income and current commitments. Instant DSR calculation.

⚠️ Important: This is ONLY a quick affordability estimate based on DSR. Malaysian banks assess many other factors including: CTOS/CCRIS credit history, repayment behaviour, employment stability, age, monthly savings, existing credit limits, loan purpose, property value (if applicable), and internal bank policies. Your DSR being acceptable does NOT guarantee loan approval.

Income & Commitments

RM

Your total monthly income before deductions

RM

Include all loan instalments, credit card minimum payments, overdraft, etc.

%

Malaysian banks typically approve loans up to 60% DSR, but 40–50% is more comfortable. Adjust based on your preference.

Proposed Loan Details

RM

The amount you plan to borrow. Adjust to see impact on affordability.

%

Typical rates: Housing 3–5%, Personal Loan 6–9%, Car 3–4%

years

Longer tenure = lower monthly payment but higher total interest.