Affordability calculator
Derive max monthly housing payment and max loan from your DSR cap, then open listings near price ≈ loan ÷ 0.9 (illustrative).
Your profile
Set the DSR cap your banker uses (often around 60–70%), then rate and tenure for the new loan.
Results
- Max monthly (housing)RM 4,100
- Max loanRM 838,416
- Implied max price (loan ÷ 0.9)RM 931,574
Within your 70% DSR cap (RM 5,600 / mo)
- Existing
- New housing
- Headroom
With a 70% cap on gross income and your existing commitments, you could allocate about RM 4,100 per month to a home loan — roughly RM 838,416 in principal at 4.2% over 30 years. If you finance about 90% of the purchase, that suggests browsing up to around RM 931,574 before down payment and fees — illustrative only, not a bank offer.
max_price on listings uses price ≈ max loan ÷ 0.9 (90% LTV). Actual approvals and down payment rules vary by bank and project.
Continue planning
Follow a guided flow between calculators. When you use the links below, we pass your numbers in the URL so the next page starts closer to where you left off.
Suggested next steps
All tools
- Loan calculatorMonthly instalment and total interest on a fixed-rate amortising loan.
- DSR calculatorDebt service ratio from income and monthly loan commitments.
- Affordability calculatorRough max loan from income, DSR cap, and existing obligations.You are here
- Stamp duty calculatorIllustrative Malaysia transfer duty tiers on purchase price.
- Total cost calculatorCash needed upfront: down payment, stamp duty, legal, and fees.
- Browse listingsSearch Johor properties by budget and filters.
Based on your calculation:You can afford RM 819,785–RM 1,043,363 properties
Next steps
Open listings in this band or use Get My Property Plan with your estimated budget.
Tips
- Max monthly housing = (income × DSR cap ÷ 100) minus existing commitments — that is the instalment you can assign to the new loan.
- Max loan converts that instalment into a principal using your interest rate and tenure (same amortisation as the loan calculator).
- Implied property price uses price ≈ max loan ÷ 0.9, i.e. the loan is ~90% of purchase — adjust if your actual LTV differs.
Local insight (Malaysia)
- JB prices vary by corridor — filter listings by max_price, then narrow with area hubs or Get My Property Plan.
- Developer rebates change cash needed, not necessarily the loan size the bank will approve.
- Rates near 3.5–4.5% p.a. are common starting points in ads; your letter of offer is authoritative.
Need help understanding this?
Your advisor
Amo Chok
OUR Team Leader
Johor Bahru residential · RTS commute fit · First-time buyers & investors