Unsure of your borrowing limit, or been rejected by a bank before? We calculate your Debt Service Ratio (DSR), review your credit profile, and match you to the banks most likely to approve you — before you submit anything.
15+ years advising Klang Valley homebuyers · 900+ DSR checks completed · Zero consultation fees
Debt Service Ratio (DSR) is the percentage of your net income already committed to debt repayments. Banks use it to decide how much more you can borrow.
DSR (%) = (Existing Monthly Debts + New Loan Instalment) ÷ Net Monthly Income × 100
Applying for a RM360,000 home loan, with an existing car loan and a credit card balance.
| Net income level | Typical safe DSR limit | Notes |
|---|---|---|
| Below RM3,000 | Up to 60% | Approval is tighter; a joint applicant often helps. |
| RM3,000 – RM5,000 | Up to 70% | Most banks will consider this a workable profile. |
| Above RM5,000 | Up to 80–85% | Wider approval range, including stronger promotional rates. |
Two minutes. Message us your net monthly income, existing monthly commitments, and target property price range — we’ll run the numbers and reply with your estimated DSR and next steps.
No cost, no obligation, and no impact on your CCRIS record.