Home calculator: loan eligibility & buying costs
Two calculators in one: how much home you can afford, and how much cash you need.
Quick answer: Enter your net salary and monthly debts to estimate the price you qualify for (based on DSR). Then enter a home price to calculate the 15% Bumiputera discount, deposit, stamp duty (exempt for first homes up to RM500,000), legal fees and estimated monthly instalment.
1. How much home can I afford?
2. Buying costs
Estimates only. Legal fees on the Solicitors' Remuneration Order scale, excluding disbursements. Stamp duty exemption subject to conditions. Confirm with your lawyer and bank.
See also: buying costs · loan rejected · Bumiputera discount
Frequently asked questions
How do I work out how much house I can afford?
Multiply your net salary by the bank's DSR (e.g. 60%), subtract existing monthly debts to get the maximum instalment, convert that to a loan amount using the rate and tenure, then divide by the margin (e.g. 90%).
What is the monthly instalment for a RM400,000 house?
With a 90% loan (RM360,000) over 35 years at 4%, about RM1,600 a month.