How to calculate DSR in Malaysia
Understand the formula, work through an example, and check the documents to prepare before applying for a loan.
8 min read RMFlat rate vs reducing balance
Why the same advertised “3%” can cost nearly double — and what BNM is banning from 1 January 2027.
7 min read ✓CCRIS vs CTOS
What banks actually see when they pull your file, how to check both reports free, and the blacklist myth, retired.
8 min read AAKPK — free debt help & the DMP
Bank Negara's free debt-counselling agency, how the Debt Management Programme restructures what you owe, and the honest effect on your CCRIS.
7 min read 7Loan rejected? 7 reasons and fixes
The seven real reasons Malaysian banks say no, how to fix each, and why reapplying straight away makes it worse.
8 min read IDPersonal loan documents in Malaysia
See how official product checklists differ for salaried, variable-income, self-employed and commission applicants.
6 min read HPFive, seven or nine years on a car loan?
Use one hypothetical flat-rate example to compare monthly payments with total scheduled cost. Check the quotation method before deciding.
Worked example DSRHow much car loan can I afford?
Work back from a DSR on net income to a monthly instalment, a loan amount and a car price, then see what banks check before approving.
Worked example HPSettling a car loan early
See what you actually pay under the Rule of 78 and the new reducing-balance method, who gets the 2026 goodwill discount, and how to check a settlement quote.
Worked example HPHow much down payment on a car loan?
Compare 10%, 20% and 30% down on one car under the new reducing-balance method, see what each extra RM10,000 saves, and check the higher minimum for older cars.
Worked example HLWhat a 1% home-loan rate change does
See what one percentage point adds to or takes off an RM400,000 home-loan instalment, and when refinancing pays back, with a worked break-even example.
Worked example DSRCar loan before a home loan
See how much home loan the same DSR room supports with and without a car instalment, what settling the car early frees, and which purchase to take first.
Worked example HL30-year or 35-year home loan?
Compare the instalment, interest and balance owed on RM400,000 over 30 and 35 years, the age limit on tenure, and a 1-point rate-rise test.
Worked example BRMaybank Base Rate, SBR and BLR
Maybank's rates today, its published history from May 2020, and what each change did to a standard RM350,000 home-loan instalment.
Rate history BRCIMB Base Rate, SBR and BLR
CIMB's rates today, its published history from January 2015, and what each of its home-loan pricing tiers costs a month.
Rate history BRHong Leong Base Rate, SBR and BLR
Hong Leong's rates today, every change dated to the day since January 2015, the days between all 13 OPR changes since July 2016 and its effective dates, and its conventional and Islamic home-loan rates priced.
Rate history BRRHB Base Rate, SBR and BLR
RHB's rates today, its published history from January 2015, what its standard RM350,000 home loan cost at each change, and how fast each change followed BNM.
Rate history HLBigger home-loan down payment or emergency fund?
Compare 10%, 15% and 20% down on one RM500,000 home: the instalment, the interest, the months of expenses each option leaves in reserve, and what waiting two years to pay the cash in costs.
Worked exampleWhen you are ready to look at real products, the personal loan comparison puts the verified rates, EIRs and example total repayments next to links to each bank's own page.
Buying or refinancing a home? The home loan comparison shows the rates and spreads banks publish, with three things to check before refinancing.