Shijie Property logo
Shijie Property logo
Login to View
Property Listings New Launches Explore by Projects Find Agent News & Insight Calculators
Calculators
Loan Checker Loan Repayment Property ROI RPGT Rental Legal Fees & Stamp Duty
Help Center
Help Center
General Enquires
(Need Support?)
List your Property
(Sell/Rent your Property)
Find Property
(Buy/Rent Property)
Join Our Team
(Be Part of Us, Be SHIJIEAN)
About Shijie Property
Terms and Conditions
Privacy Policy
Login or register
Loan Checker
Loan Checker

Master Your Financial Health with the Debt Ratio Calculator in Malaysia

Before securing your next property loan, understanding your financial capacity is essential. Our debt ratio calculator Malaysia is designed to help you assess your ability to manage debt while ensuring that you don’t overextend yourself. This easy-to-use tool provides a quick snapshot of your financial health by calculating the ratio between your income and existing debt obligations.
In addition, our debt service ratio Malaysia calculator offers a more detailed analysis, factoring in both your gross income and monthly debts to determine whether you qualify for a mortgage. It’s a critical tool for both first-time homebuyers and seasoned investors looking to optimise their financial portfolio.
The DSR calculator Malaysia ensures you make informed decisions by offering insights tailored to local lending criteria. With this data at your fingertips, you can confidently navigate the loan approval process.
If you’re already considering a loan, complement this calculation with our mortgage loan repayment calculator, designed to help you understand your monthly repayments and plan your budget effectively.
Don’t leave your finances to chance—try our debt ratio calculator today and take control of your property journey.
Calculator FAQ

What Is Debt Service Ratio (DSR)?

The DSR meaning can be put simply as "a method used by banks to calculate whether or not you can afford the loan you’re applying for".

Where Can I Find Records Of My Monthly Commitments?

Your monthly commitments would be mostly made up of loans, PTPTN and credit card repayments, among others.

So, an easy way of keeping track of all these records are via CCRIS, where all your monthly commitments and study loans are traceable and easily accessible.

If you’re looking for another alternative closer to home or for your convenience, you can create your own financial spreadsheet, or use one of the many financial apps downloadable on your smart device.

What Affects My DSR ?

For instance, if you don’t have a stable monthly income, it may have a disadvantageous effect on your loan repayment.

This signals prospective banks that even if they give you a loan, you have a medium to high chance of not repaying it. Too many monthly payments or loans contribute to that as well.

Your employment status matters too, as banks will take into account your job industry (e.g. the civil sector) and period of employment to determine if it’s a steady occupation.

How Can I Improve My DSR?

As mentioned, your DSR should be no more than 30 – 40%. And though many banks might still consider your loan application even with a DSR of 70%, it’s better to play safe and prevent a history of too many loan rejections. Improving your DSR starts with:

Either reducing your debt or increasing your net income. So start rushing to pay off big-ticket debts!

You can also consider consolidating your debt for unsecured loans (not tied to any collateral) like PTPTN and credit card bills. This is an easier way to manage all your debt and might actually even help you save on interest.


Note*: This is just for the reference only.

However, different bank has different DSR. Some people got more than the max. DSR qualification, but still got their loan approved by the bank.

Property for Sale Property for Rent
Penang Island Factory for Sale Penang Mainland Factory for Sale Kedah Factory for Sale Bayan Lepas Factory for Sale Batu Maung Factory for Sale
Prai Factory for Sale Batu Kawan Factory for Sale Bukit Minyak Factory for Sale Butterworth Factory for Sale Juru Factory for Sale
Georgetown Shop for Sale Bayan Lepas Shop for Sale Tanjung Bungah Shop for Sale Jelutong Shop for Sale Air Itam Shop for Sale
Butterworth Shop for Sale Bukit Mertajam Shop for Sale Kepala Batas Shop for Sale Prai Shop for Sale Simpang Ampat Shop for Sale
Penang Island Factory for Rent Penang Mainland Factory for Rent Kedah Factory for Rent Bayan Lepas Factory for Rent Batu Maung Factory for Rent
Prai Factory for Rent Batu Kawan Factory for Rent Bukit Minyak Factory for Rent Butterworth Factory for Rent Juru Factory for Rent
Georgetown Shop for Rent Bayan Lepas Shop for Rent Tanjung Bungah Shop for Rent Jelutong Shop for Rent Air Itam Shop for Rent
Butterworth Shop for Rent Bukit Mertajam Shop for Rent Kepala Batas Shop for Rent Prai Shop for Rent Simpang Ampat Shop for Rent
Follow Us on:
2063, Jalan Baru, Taman Supreme, 13700, Perai Penang
+6013 4817777
+6018 3987777
[email protected]
2023 Shijie Property E(3)1941 [202003075246 (PG0493715-P)]. All right reserved