Max Property

DSR calculator

Check your Debt Service Ratio (DSR) for a new property loan. Fill in every field and the result updates as you type.

1. Property purchase
RM

Required. The purchase price of the property.

The share of the price that the bank finances.

A longer tenure lowers the instalment but increases the total interest.

Enter your bank's rate. 4.5% is only an example.

2. Monthly net income
RM

Required. Your income after EPF, SOCSO and income tax deductions.

3. Existing monthly commitments

Every field is required. If you have none, enter 0 or tap RM 0.

RM
RM
RM
RM
RM
RM

Your DSR result

Complete every required field to see your DSR.

8 fields still need an answer

Net monthly income
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Existing monthly commitments
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Estimated new property instalment
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Total monthly commitments
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This is an indicative affordability calculation. Actual bank DSR assessment varies according to the bank's policies, treatment of income, expenses and credit commitments.

Complete all fields8 fields still need an answer

How this is calculated

  • DSR = (existing monthly commitments + new property instalment) ÷ net monthly income × 100.
  • The new instalment uses the reducing-balance formula on the loan amount (price × margin), at the rate and tenure you enter.
  • This calculator uses 75% as its guide. Banks set their own limits and may treat income, expenses and commitments differently.
  • The DSR is shown to two decimals, and the colour follows the figure you see: 75.00% and above is red.