Free tool
Your monthly instalment, the full cash needed at signing, and your DSR on both gross and net income.
Most calculators give you a monthly instalment and stop. The number that actually decides whether you can buy is the cash needed on the day you sign — deposit, stamp duty, legal fees and disbursements — so this one works that out too, at the statutory Malaysian rates, and then checks it against what a bank will lend you.
Nothing you type here is sent anywhere. The calculation runs entirely in your own browser, and the PDF is produced by your browser's own Save as PDF.
Quick estimates and professional support to help you plan — not a substitute for advice from your bank or lawyer.
JT Homes
REN 73762 · Ipoh, Perak, Malaysia
Work out your monthly installment and one-time purchase costs, then check the loan against your existing commitments.
Legal fees follow the Solicitors' Remuneration Order 2023 scale (min. RM500); stamp duty follows the Stamp Act 1949 scale. Disbursements (searches, registration, courier, etc.) are a rough flat estimate — they vary by law firm and aren't fixed by any government scale. Actual quotes vary by firm and bank — this is an estimate, not legal or financial advice.
See if this loan fits alongside your other monthly commitments.
EPF, SOCSO/EIS, and income tax (PCB) are estimated using standard statutory rates, including the RM400 individual rebate on chargeable income up to RM35,000 — so a lower income correctly shows no tax at all. PCB assumes a single filer with no dependents or other tax reliefs, so your actual take-home pay may be higher than shown here.
Existing DSR (before this loan): —
Foreign income is assessed differently by every bank, so treat the figure above as a guide only. WhatsApp us and we will check it against the banks on our panel.
Enter your monthly income to estimate DSR.
DSR (Debt Service Ratio) = total monthly debt obligations ÷ monthly income. This is a simplified estimate — actual bank thresholds and income calculation methods (and whether they use gross or net income) vary by bank, and this is not a loan approval guarantee.
A full assessment also requires a CCRIS/CTOS credit report check — WhatsApp us and our team can help review this with you.
Not sure which lawyer or bank to use? We can connect you with trusted conveyancing lawyers and bank loan officers in Ipoh, and help you compare loan packages before you commit.
WhatsApp to Book a ConsultationThinking of buying or selling? Get a free comparative market analysis — recent transacted prices, rental yields, and what similar properties in your target Ipoh neighbourhood are going for.
WhatsApp for a Free Market AnalysisOn the standard reducing balance formula banks use: the loan amount, the interest rate and the tenure in years. Enter the price, the down payment, the rate your bank has quoted and the tenure, and the figure updates as you type.
The down payment, the SPA legal fees, the MOT stamp duty, the SPA disbursements, the loan agreement legal fees, the loan agreement stamp duty and the loan disbursements, with a total. Legal fees follow the Solicitors' Remuneration Order 2023 and stamp duty follows the Stamp Act 1949.
Under about 60 percent is comfortable, 60 to 70 percent is tight, and above 70 percent is hard to get approved. Banks differ on whether they assess against gross or net income, so this tool shows you both and estimates your EPF, SOCSO, EIS and PCB deductions to get there.
It assumes a single filer with no dependants or other reliefs, so if you are married or have children your real PCB will be lower and your net income higher. It is deliberately simplified: adding those inputs would confuse more visitors than it would help.
No. DSR is one part of it. Banks also assess your CCRIS and CTOS records, your employment, the property itself and their own policy on the day. This tool gives you an indicative picture, not an approval.
Yes. The Download as PDF button prints a bank-style report with your loan summary, the full cost breakdown and both DSR figures, using your browser's own Save as PDF. Nothing is uploaded anywhere.