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Can I Afford to Buy?
Affordability Calculator

Answer 3 questions and get your maximum loan, monthly instalment, and total upfront cost instantly. Includes DSR check and Skim Rumah Pertamaku eligibility.

Check Your Affordability

Take-home pay after EPF and tax deductions.
Car loan, personal loan, credit card minimum payments.
Max monthly instalment
DSR ratio
Upfront costs estimate
SRP eligible?
Still renting? Build credit while you wait.

If you can't buy yet, use the time to build your CTOS score. Every rent payment through Tanpa Ejen will be reported to CTOS when RentCredit launches. After 12 months of clean payments, your credit profile will be significantly stronger for a home loan application.

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Key Facts - Home Loan Eligibility Malaysia
Banks calculate your Debt Service Ratio (DSR) which is total monthly commitments divided by net income. Most banks approve loans where DSR is below 70%. Your CTOS score is checked alongside CCRIS. A score above 697 is considered good. Under Skim Rumah Pertamaku, first-time buyers aged 18–40 earning below RM5,000/month can access 100% financing on properties up to RM500,000.
Source: Bank Negara Malaysia · Cagamas SRP · Updated 2026

ⓘ This calculator provides estimates only. Results are indicative and subject to individual bank assessment and credit history. Not financial advice. Consult a licensed mortgage adviser for official assessment.

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