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Loan Qualifier

How much you can borrow, on a debt-service-ratio basis.

Monthly income (RM)Other monthly commitments (RM)

car, personal loan, PTPTN

Credit card outstanding (RM)

counted at 5%

Variable-income factor (%)

use 50-80 for commission income

Maximum DSR (%)

60 comfortable, 70 usually declined

Interest rate (% p.a.)Loan term (years)

Rates are the 2026 statutory figures. They change with each budget — verify before relying on a number.

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