BuatLoanBuatProperty loan calculatorNet income · Mortgage · DSR calculator
Step 1 · Income documents
"Employed" = income not from own company. "Self-employed" = income from own company.
Step 2 · Bank's recognised variable income
Steps 3–4 · Shareholding and profit
Step 5a · Latest 6 months of slips
Supported by EPF and bank statements. Leave months 2–6 basic/fixed blank to repeat month 1.
| Month | Basic salary | Fixed allowance / contractual bonus | Variable (allowance, incentive, commission, OT) | Recognised |
|---|
Step 5b · EA form or CP58
Step 5c · Company bank statements, latest 6 months
| Month | Total monthly credit |
|---|
Form B / BE, latest 2 years
Net monthly income = (total income of both years − tax payable of both years) ÷ 24. This figure is already after tax, so no EPF or tax is deducted again.
Statutory deductions
Tax rates YA 2023, 2024 & 2025
| Chargeable income (RM) | Rate | Tax on lower limit (RM) |
|---|
Chargeable income = gross annual income − self relief − other reliefs − EPF (EPF relief capped at RM4,000).
Tenancy income
Monthly rent from stamped, valid tenancy agreements.
Mortgage information
"Acc" (accelerated) pays half or a quarter of the monthly instalment every 2 weeks or every week, so you pay the equivalent of 13 monthly instalments a year.
Flexi extra payments
| Payment no. | Amount (RM) |
|---|
Fixed or variable rate
Balance over time
Payment schedule
Income
New loan to test
Maximum loan by bank cut-off
Summary for printing
Black and white, light ink. Figures come from tabs 1–3.
BuatLoan is the BuatProperty loan calculator by BuatNow. The results are estimates; each bank decides what income it recognises and what it approves. Your figures stay on this phone and are not sent to BuatNow.Adapted from Smart.