{"id":46352,"date":"2023-11-27T18:20:45","date_gmt":"2023-11-27T10:20:45","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=46352"},"modified":"2024-03-12T16:43:02","modified_gmt":"2024-03-12T08:43:02","slug":"home-affordability-salary","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/home-affordability-salary","title":{"rendered":"What Is The Maximum Home Loan You Can Get?"},"content":{"rendered":"<p>\u201cCan I afford to buy a RM500,000 home with a RM5,000 salary?\u201d<\/p>\n<p>\u201cWhat kind of income do I need to buy a RM700,000 property?\u201d<\/p>\n<p>\u201cHow much should I spend on my mortgage?\u201d<\/p>\n<p>You\u2019ve probably asked yourself variations of these questions while dreaming about buying your first home; and realised that they\u2019re not easy to answer. So, here\u2019s your guide to estimating how much home you can afford.<\/p>\n<p>This is assuming you are like the majority of Malaysians who will need to use a home loan to buy a property. So, the first step is to figure out how much home loan you can get.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-much-home-loan-can-you-afford\"><\/span>How much home loan can you afford?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The maximum home loan you can get depends on your debt service ratio (DSR). This refers to how much of your income is being used to service debt repayments. Banks use the DSR to gauge your ability to repay your home loan. If your DSR is too high, your bank may not approve your home loan application. Here\u2019s how the DSR is calculated:<\/p>\n<p style=\"text-align: center;\"><strong>DSR = (Total monthly commitments \u00f7 net income) x 100%<\/strong><\/p>\n<div class=\"block\"><div><strong>Example DSR calculation<\/strong><\/p>\n<p>Total monthly commitments: RM700 car loan + RM200 PTPTN + RM200 credit card = RM1,100<\/p>\n<p>Total net income: RM5,000<\/p>\n<p>DSR = (RM1,100 \u00f7 RM5,000) x 100% = 22%<\/p>\n<p><\/div><\/div>\n<p>Banks will only allow you to borrow up to a certain amount of your DSR (across all your commitments). This could be around 60% to 75%, but each bank will have different requirements. Here\u2019s an example of how this works:<\/p>\n<ul>\n<li>Say you have RM1,100 in monthly commitments and RM5,000 in net monthly income \u2013 this gives you a DSR of 22%.<\/li>\n<li>If your bank will only lend you up to 70% of your DSR, this could mean that they\u2019ll allow you to use up to RM3,500 (70% x RM5,000) of your salary on debt commitments.<\/li>\n<li>Since you already spend RM1,100 on existing commitments, this means your maximum monthly mortgage allowed by the bank could be RM2,400 (RM3,500 &#8211; RM1,100).<\/li>\n<li>At a loan tenure of 35 years and a 3.5% interest rate, this could mean a maximum home loan of around RM580,000.<\/li>\n<\/ul>\n<p>Your bank may have an <a href=\"https:\/\/www.maybank2u.com.my\/WebBank\/M2UHomeloanCalculator.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">online calculator<\/a> that you can use to estimate your loan eligibility.\u00a0 However, each bank has different DSR requirements, and may have different ways of calculating your DSR, so it\u2019s worth checking with multiple banks.<\/p>\n<div class=\"block\"><div><strong>You can compare and find the best home loan for you <a href=\"https:\/\/www.imoney.my\/home-loan\" target=\"_blank\" rel=\"noopener\">here<\/a><\/strong>.<\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How-much-home-can-you-afford-based-on-your-salary\"><\/span>How much home can you afford based on your salary?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While your bank may lend you up to a certain amount, you may not want to take the biggest loan available. That\u2019s because spending too much on a new home can strain your finances. It could make it harder for you to meet other financial commitments, such as day-to-day living expenses, saving for retirement or even putting funds towards that overseas trip you\u2019ve always wanted.<\/p>\n<p>So how much should you spend on a home? The National House Buyers Association\u2019s (HBA) <a href=\"https:\/\/www.edgeprop.my\/content\/1652615\/so-you-want-buy-house\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">suggests not exceeding<\/a> one third (or 33.33%) of your DSR on a home loan.<\/p>\n<p>If you spend a third of your net salary (we\u2019ll round that down to 30%), here\u2019s how much you may need to earn to afford these properties, assuming you\u2019re a first-time home buyer who can borrow up to 90% of the property value.<\/p>\n<p>\n<table id=\"tablepress-1541\" class=\"tablepress tablepress-id-1541\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Property price<\/th><th class=\"column-2\">Down payment (10%)<\/th><th class=\"column-3\">Monthly repayment<\/th><th class=\"column-4\">Net monthly salary<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">RM241,960<\/td><td class=\"column-2\">RM24,196<\/td><td class=\"column-3\">RM900<\/td><td class=\"column-4\">RM3,000<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">RM322,614<\/td><td class=\"column-2\">RM32,261<\/td><td class=\"column-3\">RM1,200<\/td><td class=\"column-4\">RM4,000<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">RM403,268<\/td><td class=\"column-2\">RM40,327<\/td><td class=\"column-3\">RM1,500<\/td><td class=\"column-4\">RM5,000<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">RM483,921<\/td><td class=\"column-2\">RM48,392<\/td><td class=\"column-3\">RM1,800<\/td><td class=\"column-4\">RM6,000<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">RM564,574<\/td><td class=\"column-2\">RM56,457<\/td><td class=\"column-3\">RM2,100<\/td><td class=\"column-4\">RM7,000<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">RM645,228<\/td><td class=\"column-2\">RM64,523<\/td><td class=\"column-3\">RM2,400<\/td><td class=\"column-4\">RM8,000<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">RM725,881<\/td><td class=\"column-2\">RM72,588<\/td><td class=\"column-3\">RM2,700<\/td><td class=\"column-4\">RM9,000<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">RM806,534<\/td><td class=\"column-2\">RM80,653<\/td><td class=\"column-3\">RM3,000<\/td><td class=\"column-4\">RM10,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1541 from cache --><em>Assumptions: 10% down payment, 35-year tenure, 3.5% interest rate, buyer spends 30% of monthly salary on home loan<\/em><\/p>\n<p>However, the estimates above are just a general guideline. You may need to lower your expectations if you have many financial obligations.<\/p>\n<p>Some financial experts also suggest an alternate rule of thumb to gauge home affordability. The 28\/36 rule suggests that you shouldn\u2019t spend more than 28% of your gross monthly income on housing, and no more than 36% on debt obligations. The 28% includes spending on <em>all <\/em>housing expenses, which brings us to our next section\u2026<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-are-the-other-costs-of-homeownership\"><\/span>What are the other costs of homeownership?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Owning a home doesn\u2019t just mean paying for a mortgage. You\u2019ll also have to consider:<\/p>\n<ul>\n<li><strong>Utilities<\/strong>. This can <a href=\"https:\/\/www.numbeo.com\/cost-of-living\/in\/Kuala-Lumpur\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">cost around RM200<\/a> a month for a 915 square foot apartment in Kuala Lumpur, although it depends on other factors like the size of your household and usage. A 100 Mbps <a href=\"https:\/\/www.imoney.my\/broadband\" target=\"_blank\" rel=\"noopener noreferrer\"> can knock you back another RM100 per month.<\/a><\/li>\n<li><strong>Maintenance and repairs. <\/strong>Leaky pipes, peeling paint and busted air-conditioners\u2026a home can be expensive to maintain. According to the <a href=\"https:\/\/www.dosm.gov.my\/v1\/index.php?r=column\/cthemeByCat&amp;cat=323&amp;bul_id=c3JpRzRqeTNPamMxL1FpTkNBNUVBQT09&amp;menu_id=amVoWU54UTl0a21NWmdhMjFMMWcyZz09\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Household Expenditure Survey Report<\/a> in 2019, Malaysians allocate 4.4% of their monthly expenditure to furnishings, household equipment and maintenance.<\/li>\n<li><strong>Management fees. <\/strong>If you live in a high-rise residence, you\u2019ll need to pay monthly management fees. Your rates will depend on the location and size of your property (e.g., RM0.35 per square foot).<\/li>\n<li><strong>Residents\u2019 association fees. <\/strong>If you live in a gated or guarded residential area, you may need to pay additional fees.<\/li>\n<li><strong>Insurance.<\/strong> There are a few types of policies associated with homeownership, such as <a href=\"https:\/\/www.imoney.my\/articles\/mrta-vs-mlta-need\" target=\"_blank\" rel=\"noopener noreferrer\">mortgage life insurance<\/a>, houseowner and householder insurance, as well as fire insurance. Your costs will depend on which policies you choose to take up and the value of your home.<\/li>\n<li><strong>Assessment tax and quit\/parcel rent. <\/strong>As a property owner, you\u2019ll need to pay an annual assessment tax, which is generally 4% of your property\u2019s annual rental value. You\u2019ll also need to pay a quit rent (for landed properties) or a parcel rent (for strata properties), which is charged by square feet (e.g., RM0.035 per square foot).<\/li>\n<\/ul>\n<p>These additional costs can make homeownership a lot pricier. Before you commit to buying a home, it\u2019s worth estimating how these costs will strain your budget.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Know-what-you-can-afford\"><\/span>Know what you can afford<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In short, your maximum home loan depends on how much your bank is willing to lend you. A lower DSR will increase your chances of <a href=\"https:\/\/www.imoney.my\/home-loan\" target=\"_blank\" rel=\"noopener\">getting your home loan approved<\/a>, as well as help you score a bigger home loan. But don\u2019t take on the maximum home loan available if it means straining your finances.<\/p>\n<p>A general rule of thumb is to keep housing expenses below one third of your income, though you may need to adjust depending on your financial circumstances.<\/p>\n<h6><em>This article was first published in January 2021 and has been updated for freshness, accuracy and comprehensiveness.<\/em><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>Banks will look at your debt service ratio (DSR). But you should also consider how much you can really afford on your mortgage. Here&#8217;s how.<\/p>\n","protected":false},"author":1,"featured_media":59959,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[239,21],"tags":[],"class_list":["post-46352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-loan","category-properties"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is The Maximum Home Loan You Can Get?<\/title>\n<meta name=\"description\" content=\"Banks will look at your debt service ratio (DSR). But you should also consider how much you can really afford on your mortgage. 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