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Loan Eligibility Check
Discover your home budget
with confidence
- No fees, absolutely free
- Save and return anytime
- In just 5 minutes
How it works
1
Tell us
about yourself
Answer questions about your income and commitments to help us understand your financial situation.
2
View your estimated
loan eligibility
Understand how much you can
borrow based on your
Debt Servicing Ratio (DSR).
borrow based on your
Debt Servicing Ratio (DSR).
3
Make
smart decisions
Continue your home search with a clear budget in mind.
Today's Featured Home Loans
Current SBR is 3.00% p.a.
BETA
Boost your chances of approval
We'll connect you with the right banks based on your needs, to maximise your chances of securing a loan.
Mortgage One Housing Loan
3.85%
SBR + 0.9%
None
Lock-In
Package Benefits
- With MRTA/MRTT bundle
- Deposit offset on loan outstanding balance for more interest savings
- Full flexibility to access your 2in1 loan and deposit account anytime, anywhere
Home Loan
3.85%
SBR + 0.85%
3 Years
Lock-In
Package Benefits
- Flexible choice of facility as a term loan, overdraft or a combination of both.
- Ability to redraw funds that have been repaid
My1 Full Flexi Home Loan
3.90%
SBR + 0.9%
3 Years
Lock-In
Package Benefits
- Full Flexi allows for pre-payment and withdrawal
- Outcome in 2 days with full documents
Home Loan
4.00%
SBR + 1%
3 Years
Lock-In
Package Benefits
- Margin of financing up to 90% + 5% for MRTA financing
- Deposit and withdraw excess fund to enjoy interest saving
- Bundle with Home Complete loan for up to 100% margin of financing.
Mortgage One Zero Cost
4.15%
SBR + 1.2%
5 Years
Lock-In
Package Benefits
- With MRTA/MRTT bundle
- Legal, stamp duty & valuation fees borne by the bank
- Deposit offset on loan outstanding balance for more interest savings
- Access 2in1 loan & deposit account anytime
Frequently Asked Questions
- The maximum loan amount is typically determined by your income, financial commitments, and the loan tenure. Banks in Malaysia commonly use a Debt Service Ratio (DSR) to assess your repayment capacity.
- Your eligibility is influenced by factors such as your income, credit history, employment stability, and existing financial commitments. Banks in Malaysia also consider the loan-to-value ratio and the loan tenure.
- Yes, aside from the loan amount, consider additional costs like legal fees, stamp duty, valuation fees, and insurance premiums. These costs can vary, so it's important to factor them into your budget.
- Yes, Malaysia offers various incentives for first-time homebuyers, such as the My First Home Scheme (Skim Rumah Pertamaku) and stamp duty exemptions. These programs aim to facilitate home ownership for first-time buyers.
- Consider reassessing your financial situation. You may explore options such as extending the loan tenure, improving your credit score, or revisiting your property preferences. Consulting with a financial advisor can also provide insights on enhancing your affordability.