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DSR Calculator · Malaysia

Will the bank
approve your loan?

Your Debt Service Ratio is the single number banks use to say yes or no. Work out yours in seconds — including the hidden debts most buyers forget.

← All 8 numbers to check before you buy

Your numbers

Enter monthly figures. Everything updates live.

Income
RM
RM
Existing monthly commitments
Credit cards
RM
Counted as 5% of limit → RM 0/mo (phantom commitment)
The new home loan
RM
Estimate it from a loan amount →
Bank's DSR cap
70%
Your DSR
0%
Enter your income to begin
cap 70%
0%50%100%
Add your income and commitments to see how much loan room you have left.
Total monthly incomeRM 0
Existing commitmentsRM 0
Credit card portionRM 0
New home loanRM 0
Total commitmentsRM 0
Room left before capRM 0

5 hidden debts inflating your DSR

Good salary, still loan-rejected? Your DSR isn't just your new home loan — banks add up everything you're committed to. These catch buyers out.

1

Your card limit — not the balance

Many banks count a chunk of your monthly card commitment even if you pay in full or never use it. Big unused limits = a phantom commitment.

Tip: lower or cancel limits you don't need before applying.

2

Loans you guaranteed

Co-signed or guaranteed a car or loan for family or a friend? That liability can be counted as yours — even though you never spend it.

3

BNPL & instalment plans

That 0% phone, furniture or gadget instalment, and buy-now-pay-later, increasingly shows up on your record and counts as a monthly commitment.

4

A loan you "settled"

Records can lag 1–2 months. A loan you cleared may still appear on CCRIS.

Keep the settlement letter; check CCRIS before you apply.

5

The small ones you forgot

PTPTN, a tiny personal loan, an old overdraft — each monthly figure still chips away at your DSR ceiling. They add up faster than you think.

Questions

What is DSR?
Debt Service Ratio is the percentage of your income that goes to servicing debt. DSR = total monthly commitments ÷ gross monthly income × 100%. Banks use it under Bank Negara's responsible-financing guidelines to decide if you can afford a new loan.
What DSR do banks accept?
There is no single legal cap — it's set by each bank's policy. Many Malaysian banks sit around 60–70%, and some stretch higher for high earners. Treat 70% as a typical ceiling, not a guarantee. Lower DSR = stronger application.
Gross or net income?
It varies by bank. Many assess on gross income; others use net (after EPF/SOCSO/tax) and may add back a portion. This tool uses the figure you enter — if your bank uses net, enter your net income for a more conservative view.
Why does my credit card limit matter if I pay in full?
Because many banks count roughly 5% of your total card limit as a monthly commitment regardless of your balance. A large unused limit is a "phantom" debt dragging your DSR down. Reducing limits you don't need can free up real room.
What is CCRIS?
Bank Negara's Central Credit Reference Information System — the free report lenders read to see your commitments. Pull it before applying so you see exactly what the bank sees. Records can lag 1–2 months after you settle a loan.

This calculator is for general education only and is not financial advice. DSR treatment — the cap, whether income is gross or net, and how credit cards, guarantor liabilities and BNPL are counted — varies by bank under BNM responsible-financing guidelines. Always confirm with your bank or a licensed adviser. Pull your free CCRIS report before applying.