The common 80% haircut
Many Malaysian banks recognise only a portion of rental income - commonly discussed around 80% - when computing DSR. Exact treatment varies by bank and tenancy quality.
What proof banks want
Tenancy agreements, rent credits in statements, and sometimes stamping evidence. Vacant units do not help.
Planning leverage
Stress-test yield and cashflow with the cashflow & yield calculator, then reconcile DSR with the DSR tool. Scenario: for property investors.
As of Oct 2026: BNM OPR 3.00%; SBR 2.75%. Packaged home-loan rates commonly fall roughly in the 3.55%–4.50% p.a. band depending on bank and profile. Confirm live figures with Janice before deciding.
Related
FAQ
Does Airbnb income count?
Short-stay income is treated cautiously and inconsistently. Bring clean evidence; expect scepticism.