Tools计算工具
DSR Calculator债务服务比率计算器
Debt Service Ratio is the single biggest factor in Malaysian home-loan approval. Enter your net income and existing commitments to see where you stand.债务服务比率 (DSR) 是马来西亚房贷批核中最关键的因素。输入您的净收入和现有负担，看看您的情况如何。
Take-home pay after EPF, SOCSO & tax.扣除公积金、社险及税后的实收工资。
Car loan, credit card minimum, PTPTN, personal loans, other mortgages.车贷、信用卡最低还款、PTPTN、个人贷款及其他房贷。
Estimated monthly repayment for the property you're considering — try our mortgage calculator first.您考虑购买的房产预估月供 — 可先使用我们的房贷计算器。
Your DSR您的债务比率
50%
Likely approved
- Total monthly debt每月债务总额
- RM 2,500
- Max affordable mortgage最高可负担月供
- RM 2,500
- Headroom vs bank cap距银行上限余额
- RM 500
What is DSR?
什么是 DSR？
Debt Service Ratio is the percentage of your net monthly income that goes to debt repayments. Bank Negara Malaysia uses DSR as the primary affordability check — if you're over the threshold, your home loan will be rejected regardless of how much down payment you've saved.
债务服务比率 (DSR) 是指您每月净收入中用于偿还债务的百分比。马来西亚国家银行 (BNM) 以 DSR 作为主要的负担能力检验 — 一旦超过上限，无论您存了多少首付，房贷都会被拒。
Typical bank thresholds
常见的银行上限
- — Net income under RM 5,000/month: most banks cap at 60%
- — Net income RM 5,000–10,000: typically 70%
- — Net income above RM 10,000: some banks allow 80% or more
- — 净收入每月低于 RM 5,000：多数银行上限为 60%
- — 净收入 RM 5,000–10,000：通常为 70%
- — 净收入高于 RM 10,000：部分银行可放宽至 80% 或以上
The exact cap varies by bank, your credit score (CCRIS & CTOS), and whether the property is for own-stay or investment.
确切上限因银行、您的信用评分 (CCRIS 与 CTOS)，以及房产是自住还是投资而异。
What counts as a "commitment"?
哪些算作「负担」？
Banks pull your CCRIS report and tally everything that shows up: car loans, credit card minimums (5% of outstanding balance), personal loans, PTPTN study loans, other property mortgages, and any guarantor obligations.
银行会调取您的 CCRIS 报告，把所有记录都算进去：车贷、信用卡最低还款（结欠的 5%）、个人贷款、PTPTN 助学贷款、其他房贷，以及任何担保人责任。
If your DSR is too high
如果您的 DSR 过高
- — Pay off (or down) your highest-interest commitments first
- — Add a co-applicant (joint loan with spouse boosts combined income)
- — Lengthen the loan tenure to lower the monthly instalment
- — Consider a lower-priced project or higher down payment
- — 先清还（或减少）利息最高的负担
- — 增加共同申请人（与配偶联名贷款可提高合计收入）
- — 延长贷款年限以降低月供
- — 考虑价格较低的项目或提高首付
Estimates only. Every bank applies its own credit scoring on top of DSR — talk to us for a realistic pre-assessment.
仅供估算。每家银行都会在 DSR 之外套用自己的信用评分 — 欢迎联系我们做一次实际的预评估。