Malaysia · Loan
Loan Eligibility Calculator Malaysia
Check your maximum loan amount and DSR (Debt Service Ratio) instantly based on your monthly income and commitments.
Enter your financial details
Car loan, personal loan, credit card, PTPTN, etc.
Typical DSR range: 50% – 70%
Maximum Loan Amount
RM 0.00
Enter your details to check eligibility
Maximum Installment You Can Afford
RM 0.00
Your Current DSR
0%
What is the Loan Eligibility Calculator?
This Malaysia Loan Eligibility Calculator helps you check:
Maximum loan amount you can borrow
Monthly installment you can afford
Your DSR (Debt Service Ratio)
Loan approval chances
It works for all loan types:
Housing loan
Personal loan
Car loan
Business loan
How the Loan Eligibility Calculator Works?
The calculator uses:
Your net income
Existing commitments
DSR limit (50%–70%)
Loan interest rate
Loan tenure
Formula used is the standard EMI formula for Malaysian banks.
Why DSR is Important?
Banks use DSR to decide loan approval.
DSR = Commitments ÷ Income × 100%
Typical bank approval ranges:
| Income Level | DSR Limit |
|---|---|
| Low income | 50–55% |
| Middle income | 60–65% |
| High income | 70%+ |
Who Should Use This Calculator?
First-time home buyers
Car buyers
Personal loan applicants
Property investors
Anyone checking their loan approval chances