Keystone Group · a landed-property team of Gather Properties (E (1) 1536)简体中文WhatsApp +60 13-565 6995

DSR Calculator

Your debt service ratio the way Malaysian banks work it out — and the largest loan it supports.

Income & commitments

After EPF, SOCSO and tax. Joint borrowers: add both.
Banks count 5% of the limit as a monthly commitment.

The new loan

Often 60–70% for higher incomes, lower for smaller incomes.
Your DSR
—

Estimates for guidance only, based on the rules in force in 2026. Your lawyer, banker or tax adviser will confirm the final figures.

DSR = total monthly debt repayments ÷ net monthly income. Each bank sets its own limit by income band and profile, and also stress-tests the new loan at a higher rate.

Questions

Common questions

What DSR do Malaysian banks accept?

There is no single number. Many banks accept 60–70% of net income for higher earners and set lower limits for smaller incomes. Below 40% is comfortable almost everywhere.

How do banks count credit cards in DSR?

Usually as 5% of the total card limit per month, whether or not you carry a balance — so cancelling unused cards can improve your DSR.

Is DSR calculated on gross or net income?

Most Malaysian banks use net income — after EPF, SOCSO and income tax. Self-employed buyers are assessed on declared income and bank statements.

Private consultation

The key to your property success starts with one message.

Tell us the area, your budget, and whether you are a Malaysian or foreign buyer. We reply on WhatsApp the same day, in English, Bahasa Malaysia, 华语, Cantonese or Hakka.

WhatsApp
+60 13-565 6995
Email
ken.propertyagent@gmail.com
Agency
Gather Properties · Registered Estate Agent E (1) 1536
Team leader
Ken Tck · REN 04056 · kentck.com
Areas
Tropicana, Damansara Heights, Kota Damansara, Bangsar, Ara Damansara, Damansara Perdana, Saujana Golf & Country Resort, Country Heights Damansara, Mutiara Damansara, Aman Suria
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