Calculate your Debt Service Ratio (DSR) based on Malaysian banking standards. This helps estimate your loan affordability.
Note: This calculator only provides an estimate. Final loan approval depends on the bank's specific criteria, your credit score (CCRIS/CTOS), and other factors.
Your Income
Add Your Monthly Debt Commitments
Important Notes for Accurate Calculation:
Enter your Net Income (after mandatory deductions like EPF, SOCSO, PCB/Tax).
Include all monthly debt payments (housing, car, personal loans, PTPTN, etc.).
For Credit Cards: Enter the minimum monthly payment (usually 5% of the outstanding balance, or min RM 50, whichever is higher). Check your statement.
For ASB Financing/Other variable payments, enter the typical monthly amount.