DSR (Debt Service Ratio) = total monthly debt commitments ÷ net monthly income, expressed as a percentage. It includes your new home loan installment plus existing car loans, credit cards and personal loans. Most Malaysian banks approve loans where DSR stays within roughly 60–70%, though the exact cap depends on your income band and the bank.
For most residential purchases banks finance up to 90% of the property value, so you typically need a 10% down payment, plus cash for legal fees, stamp duty and disbursements. Use the Purchase Cost Calculator above to see the full cash needed, not just the 10%.
SPA and loan legal fees follow the SRO 2023 scale — 1.25% on the first RM500,000 and 1.00% on the next RM7 million, plus 6% SST. Stamp duty on the transfer (MOT) is tiered from 1% to 4% under the Stamp Act 1949, and loan stamp duty is a flat 0.5%. First-home buyers may qualify for exemptions up to RM500,000.
A rough guide: your total monthly commitments should stay within about 60–70% of net income, and roughly RM1 of affordable monthly repayment supports around RM200 of loan over a 35-year tenure at ~4%. Enter your salary and commitments in the DSR and Mortgage calculators for an instant estimate.
Gross rental yields of around 4–5% are typical for KL condominiums. Higher yields can indicate an oversupplied or lower-growth area, while lower yields often reflect prime locations bought for capital appreciation. The Rental Yield Calculator gives you a clear rating instantly.
It gives a reliable estimate based on Bank Negara DSR guidance, the SRO 2023 legal-fee scale and the Stamp Act 1949. It is for estimation only — actual bank approval depends on your full credit profile, employment history and the property valuation. For a precise eligibility check, speak with Jason Chan directly.