How much house can you afford?

Mortgage affordability

Find out how much house you can afford based on your take-home pay, existing debt, and a target debt-to-income ratio.

Formula

affordable price = (max payment solved as a loan principal) ÷ (1 − down payment %)

Assumptions

• Debt-to-income cap is a common lending guideline, not a guaranteed bank approval threshold.
• Excludes insurance, legal fees, and property-related taxes from the payment cap.

Frequently asked questions

Why 40% for the debt-to-income cap?
Many lenders use a debt service ratio guideline in this range, but actual approval depends on the bank, your credit history, and other commitments. Treat this as a planning guideline, not a pre-approval.

I don’t know my take-home pay yet — what should I do?
Use the "Take-home pay (Malaysia)" calculator first, then save it — it will automatically prefill this calculator.