Home Loan Affordability Calculator

Can you afford everything after the loan?

Property Price *

Please enter a value below .

Down Payment (%) *

Loan Tenure (Years) *

years

Interest Rate (%) *

Gross Monthly Income *

Please enter a monthly income greater than 0.

Existing Monthly Commitments *

Include all existing loan repayments: car loans, personal loans, credit card minimum payments, PTPTN, etc.

Estimated Monthly Living Expenses *

Available Cash Savings (optional) *

Enter your savings to check if you have enough upfront cash.

First-time home buyer

Stamp duty exemptions for first-time buyers may apply — rules will be updated in future releases.

Overall Affordability Verdict

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Monthly Disposable Income

RM 0.00

Total Upfront Cash Needed

RM 0.00

How affordability is assessed

We compare your income against monthly loan repayments, existing debts, and living expenses, plus the total upfront cash needed to buy.

Affordable — at least 15% monthly buffer and enough upfront cash

Tight but possible — positive income left or small cash shortfall

Beyond budget — negative monthly balance or large cash shortfall

Down Payment

SPA Legal Fees

MOT Stamp Duty

Loan Legal Fees

Loan Stamp Duty

Valuation Fee (est.)

Processing / Disbursement (est.)

Total Upfront Cash

Cash Shortfall

Est. Monthly Loan Repayment

Existing Commitments

Living Expenses

Total Monthly Outflow

Gross Monthly Income

Remaining Disposable Income

Enter a property price and income to see your affordability results.