Your Debt Service Ratio decides your loan size before any bank does. Check it here, free, before you start viewing units.
Joint mode, DOB-based tenure, instant results. Enter your numbers and see where you stand before you shop.
Open the calculator →Debt Service Ratio is the share of your gross monthly income that banks count as already committed to debt, once your new home loan is added. It is the single biggest factor in how much a bank will actually lend you, more than the price of the unit itself.
Two buyers looking at the same RM800,000 unit can have completely different outcomes at the bank, purely because their DSR sits in different places. Knowing yours first changes how you shop.
The mechanics are the same, but the paperwork isn't. Foreign income, whether it's SGD-denominated or split across sources, gets treated differently by different banks, and joint applications with a Malaysia-based co-borrower change the picture again.
This is exactly the kind of thing worth checking before you fall for a specific unit, not after.
A DSR check tells you your realistic range before a developer's showflat, an agent's shortlist, or your own excitement sets an anchor price in your head. It's a five-minute step that saves a lot of wasted weekends.
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