Affordability planning
DSR estimator
See how existing commitments and a proposed housing instalment compare with monthly net income.
Not loan eligibility or approval Estimate DSRBuyer Tools & Guides
Start with an indicative planning tool, then use a long-term guide to check lifestyle fit, exact-unit details and professional verification before you commit.
Start with a planning tool
Figures are calculated in your browser. Rules are versioned and their limits are stated beside the output.
Affordability planning
See how existing commitments and a proposed housing instalment compare with monthly net income.
Not loan eligibility or approval Estimate DSRForeign buyer planning
Review MOTAC category amounts and prepare the next official checks for your situation.
Not programme or property approval Review MM2H figuresTransaction planning
Estimate base scale fees, transfer stamp duty and loan stamp duty before requesting formal quotations.
Excludes SST, disbursements and exemptions Estimate base costsLong-term guides
These pages are maintained for recurring buyer decisions. Time-sensitive facts are dated and separated from practical guidance.
Work through location routines, monthly comfort, usable layout, car parks, future household changes and current fact verification.
Read the guideBuild an honest affordability range before matching property type, layout and trade-offs—without relying on an expired headline price.
Build a budget-led shortlistSeparate MM2H participation, Penang state acquisition rules, exact-property checks and transaction planning.
Prepare the four checksA practical pre-booking checklist for headline prices, affordability, layouts, exact units, access and unsupported return claims.
Avoid the seven pitfallsMove from location context into the project evidence currently available for Batu Kawan, Butterworth, Bukit Mertajam, Penang Island and other areas.
Browse project locations