Home Loan Eligibility Screener | Semak Kelayakan Loan Rumah
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Syarat Pinjaman Perumahan — How Home Loan Eligibility Works
Home loan eligibility in Malaysia is determined by your Debt Service Ratio (DSR). The formula: (Total Monthly Commitments / Net Income) x 100%. Most banks cap DSR at 60-70%, meaning no more than 60-70% of your income can go towards debt repayments.
For example, if your net salary is RM5,000 with existing commitments of RM1,500, your current DSR is 30%. With a 70% DSR cap, you can still take on up to RM2,000/month in housing loan instalments — roughly equivalent to a RM400,000 loan at 4% interest.
Banks Compared
Our screener compares eligibility criteria from 24 Malaysian banks:
Soalan Lazim — Kelayakan Loan Rumah
Bagaimana cara check kelayakan loan rumah?▾
Use the free screener above. Enter your income, commitments, age, and credit record. Our system compares 24 banks and shows which ones you qualify for in under 2 minutes.
Apakah syarat pinjaman perumahan di Malaysia?▾
Key requirements: minimum income RM2,000-RM3,000/month (varies by bank), DSR below 60-70%, clean CCRIS record, age 21-65, and valid employment proof. Government servants generally get better terms.
Adakah kalkulator kelayakan loan rumah ini percuma?▾
Yes, the initial screener is 100% free with no obligation. You get instant results. A detailed report with strategy recommendations is available for a small fee.
Bagaimana semak kelayakan pinjaman perumahan saya?▾
Enter your net income, existing loan commitments, age, employment sector, and CCRIS status. The system calculates your DSR and matches it against each bank's criteria.
Apakah syarat loan rumah untuk gaji bawah RM3,000?▾
Banks like BSN, Bank Rakyat, and Agro Bank accept lower income. If your existing commitments are low (low DSR), you can still qualify. Government servants have more options through LPPSA and MBSB.
Berapa DSR maksimum untuk layak loan rumah?▾
Most banks cap DSR at 60-70%. Some banks allow up to 75-80% for government servants. The lower your DSR, the higher your borrowing capacity.