Home loan approval in Malaysia, made simple.

Debt Service Ratio (DSR) is how banks assess your affordability — your total monthly commitments divided by your net income. Most Malaysian banks require a DSR below 60–70%, depending on your income bracket. A high DSR is the #1 reason for loan rejection.

Assuming a 90% loan over 35 years at ~3.9% interest, the monthly instalment is roughly RM2,100. To keep a healthy DSR of 60% (with no other debts), your net salary should ideally be around RM3,500–RM4,000. Our advisors can run a detailed check on your specific profile.

Refinancing carries one-time setup costs similar to buying a new home: valuation fees, legal fees for the new loan agreement, and stamp duty. If you refinance within your current bank’s lock-in period (usually 3–5 years), you may face a penalty of 2–3% of your outstanding loan amount.

Yes. Documentation is stricter — instead of payslips you’ll provide 6 months of business bank statements, SSM registration, and your income tax declarations (Form B) to prove stable revenue. FinPro specialises in helping self-employed individuals compile these documents.

A Term Loan has a fixed schedule; extra payments don’t reduce principal interest immediately. A Semi-Flexi loan lets you pay extra to reduce the principal, but withdrawing it needs bank approval and a fee. A Full Flexi loan links your mortgage to a current account, auto-reducing interest by your balance with free withdrawals.