Some banks only take

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80% of the rental amount. Income from hajj funds and stocks can also be mixed. Usually, dividends from these instruments have to be averaged over 12 months. Example Count 1 En Ali wants to buy a house worth RM220,000 and pays a deposit of RM200,000. The installment for this new house is RM1,000. Mr. Ali receives a monthly net salary of RM2,900.


Mr. Ali only has a car commitment of RM300 per month. What is Mr colombia whatsapp fan Ahmad's DSR and can he buy the house? DSR = (Current monthly commitment + new house installment) / net income = (Car RM300 + RM1,000) / RM2,900 = 44% Mr. Ali's DSR of 44% is lower than the bank's DSR limit of 60%. Mr. Ali's application will be accepted .


Example Count 2 Mr Ahmad wants to buy a house priced at RM550,000 and pays a deposit of RM50,000. Mr Ahmad receives a gross monthly salary of RM4,500. RM500 of this amount is deducted for EPF, SOCSO, tax and zakat. Over the past 6 months, the amount he received for overtime was RM3,600. Mr Ahmad's monthly commitment for existing debt is as follows: Train RM1,000 Personal loan RM500 Credit card with an outstanding balance of RM5,000 What is Mr Ahmad's DSR and can he buy the house? Step 1: Calculate Existing Commitments Total Existing Commitment = Car RM1,000 + Personal Loan RM500 + (5% x Credit Card Outstanding RM5,000) real estate consultant course = RM1,750 Step 2: Calculate New Home Installment Mr.