Ipoh · Perak
Start from your salary rather than from a price. Enter what you earn and what you already owe, and this works out the price range the bank is likely to reach — then shows which Ipoh projects actually fit it.
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Filter by the area you actually want — a project in the right price range is no use in the wrong part of Ipoh. See every project for tenure and completion filters too.
This calculator tells you roughly where the bank's ceiling sits. That ceiling is a risk threshold, not a budget, and buying right at the top of it leaves nothing for maintenance, furnishing, a car replacement or a stretch of lower income.
A useful sanity check: work out the instalment at the price you are considering on the monthly calculator, then ask whether you would still be comfortable paying it in a year where things go less well than planned. If the answer is no, the number to change is the price, not the tenure.
Then check the day-one cash on the stamp duty and legal fee calculator — the down payment is not the whole figure.
Work it from your commitments, not just your income. The bank allows a share of your assessable income — commonly 60–70% — to go to total debt repayments. Whatever is left after your existing commitments is what can service the home loan, and that instalment determines the loan and therefore the price. Someone earning RM6,000 with no debt reaches a very different figure from someone earning RM6,000 with a car loan.
No. This is an orientation figure based on the numbers you enter. A bank also assesses your credit record, how it treats any variable income, your employment history and the property valuation. Treat this as a way to know whether you are looking in the right price range, then get an actual assessment before committing.
Because it comes out of the same allowance. If the bank permits 60% of your income for total repayments, every ringgit of car instalment is a ringgit unavailable for the home loan — and since a home loan is spread over 35 years, each ringgit of monthly capacity supports a large amount of borrowing. That is why an RM800 car payment can cost well over RM150,000 of buying power.
Net — income after EPF, SOCSO and tax. Most Malaysian lenders assess against that rather than gross, so using your gross salary will make this calculator more optimistic than the bank will be.
Up to 90% is common for a first home, and depending on the bank and package a second can sometimes get close to that too. Margins tend to drop more noticeably from the third property onwards, commonly to around 70%. If you already own property, lowering the margin here gives you a more realistic picture.
The fastest lever is usually clearing one whole existing loan rather than trimming several. A larger down payment also works, since it reduces the loan without touching the instalment ceiling. If the gap is large, the honest move is to adjust the price range rather than stretch the tenure. There is more on this in the guide on why loans get rejected.
Compiled and reviewed by MaSk Chan, REN 49335 · IQI Global. Shown for accountability — this is general information, not financial advice.