Loan Eligibility Estimator
Estimate whether you would qualify for a personal loan based on your income, existing debts, and employment type. No credit check required — this gives you a realistic picture before you apply.
Your take-home pay after EPF, SOCSO, EIS and PCB. We show your DSR on this basis too — BNM requires banks to assess affordability on it, though each bank defines its own DSR formula and some divide by gross instead.
All loan repayments + credit card minimums
What banks check beyond DSR
- CCRIS record: Outstanding loans, payment history (0 = on time, 1+ = late)
- CTOS score: 697+ is good, 744+ is excellent
- Employment tenure: Longer service at your current employer reads better. No Malaysian bank publishes its minimum, so ask yours rather than working to a figure you read online
- Age: Lenders set their own age bands and generally require the loan to mature before retirement age, which shortens the tenure available to older applicants. The exact band is the lender's, not a published rule.
- Existing relationships: Having a salary account with the lending bank improves approval odds
Government employees can access lower-rate loans through the Treasury (Pinjaman Perumahan Perbendaharaan) and often qualify for higher amounts because banks see government income as more stable.
This is a rough estimate, not an offer. Two assumptions drive the numbers above. The monthly repayment assumes 8% p.a. on a flat-rate basis — worth knowing, because a flat rate costs noticeably more than the same figure quoted as an effective rate. The maximum amount caps your total commitments at 60% of gross income, then scales that down for self-employed and gig income; that scaling is our own conservative adjustment, not a published bank rule. The 60% itself is an industry rule of thumb — Bank Negara Malaysia prescribes no DSR cap and no Malaysian bank publishes its own, nor whether it divides by gross or by income after statutory deductions, which is why both DSR figures are shown above. Actual eligibility depends on your full credit profile, employment history, and the specific bank's policies. This tool does not check your credit record.