CALCULATOR

EZMAN PROPERTY AFFORDABILITY

Home Loan • DSR • Maximum Affordable Property Price

SMART PROPERTY FINANCING CALCULATOR

01. PROPERTY & LOAN DETAILS

Harga Rumah (RM) Masukkan harga rumah yang ingin dibeli.

Margin Pembiayaan (%)

Kadar Faedah (% setahun)

Tempoh Pinjaman (Tahun)

02. NET MONTHLY INCOME

Applicant 1 (RM) Pendapatan bersih selepas potongan statutori.

Applicant 2 / Joint Applicant (RM) Masukkan 0 jika permohonan individu.

03. EXISTING MONTHLY COMMITMENTS

House Loan (RM)

Car / Vehicle Loan (RM)

Personal Loan (RM)

Credit Card Commitment (RM) Masukkan anggaran komitmen bulanan mengikut penilaian bank.

PTPTN / Education Loan (RM)

BNPL / Other Commitments (RM)

04. DSR SETTINGS

Target Maximum DSR (%) Contoh: 50%, 60% atau 70%.

Calculation Basis Gabungan pendapatan jika permohonan bersama.

05. HOME LOAN CALCULATION

ANGGARAN ANSURAN BULANAN RUMAH PILIHAN RM 0.00

Jumlah Pinjaman RM 0.00

Deposit / Down Payment RM 0.00

Jumlah Faedah Sepanjang Tempoh RM 0.00

Jumlah Bayaran Balik RM 0.00

06. DSR ANALYSIS

Jumlah Pendapatan Bersih RM 0.00

Komitmen Sedia Ada RM 0.00

DSR Sebelum Pinjaman Baru --

DSR Selepas Beli Rumah --

DSR BERBANDING SASARAN

--

Sasaran DSR: 60%

Masukkan maklumat pendapatan untuk melihat keputusan.

07. MAXIMUM PROPERTY PRICE YOU CAN AFFORD

ANGGARAN HARGA RUMAH MAKSIMUM YANG LAYAK DIPERTIMBANGKAN RM 0.00

Maksimum Ansuran Bulanan RM 0.00

Maksimum Jumlah Pinjaman RM 0.00

Deposit Anggaran Berdasarkan Margin RM 0.00

Baki Selepas Komitmen & Rumah Pilihan RM 0.00

Status kemampuan harga rumah akan dipaparkan di sini.

DISCLAIMER: All results are estimates for preliminary affordability assessment only. The DSR target is user-selected and is not an official bank approval threshold. Actual bank calculations may differ according to recognised income, existing liabilities, credit card assessments, repayment history, financing policies and other conditions. Loan estimates use a standard monthly amortisation formula. Additional purchasing costs including legal fees, stamp duty, valuation and insurance/takaful are excluded. Joint income should only be entered where both applicants are eligible and recognised by the lender.

POWERED BY EZMAN HARTANAH