Cara kira kelayakan loan rumah

Alangkah rugi jika anda prgi showroom dan booking tanpa check dulu kelayakan korg dgn your agent.Sebenarnya anda sndiri pun bleh check kelayakan loan sbb trsgt lah mudah 🥰

Jom spill ⬇️⬇️⬇️

1. Utk gaji kasar above 3k,cannot exceed 70%

Cth ; (komitmen bulanan semasa + installment rumah baru / gaji bersih selepas epf socso )

500 (car loan) + 1300 (installment rumah baru) / 3200 ( gaji bersih/nett salary) x 100%

= 56.25% (still below 70%)

* conclusion nya, DSR anda masih within range dan tidak exceed 70% ✅ Lulus utk rumah bulanan 1300

2. Utk gaji kasar below 3k,cannot exceed 60%

500 (car loan) + 1300 (installment rumah baru) / 2700 ( gaji bersih/nett salary) x 100%

= 66.7% (exceed 60%)

*conclusion nya,DSR anda sudah burst kerana sdah exceed limit 60%

However, different bank set different max DSR LIMIT,so it is still likely to pass if you submit to multiple banks.

Korang bleh juga sertakan sekali bonus,extra allowance,OT,proof of savings pada agent anda utk increase kan lagi income korg atau pun bleh jgk pay off atau restructure your commitment.. So jgn give up jika DSR korg burst at first time! Just provide more info to your agents 🥰

Semoga bermanfaat and jgn lupa save ya! mana tau one day nnti nk pakai formula ni 🤭

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