Personal Information
Salary Details
Fixed basic salary only (excl. allowances)
Calculated via EPF / SOCSO / PCB tiered table
Extra monthly deductions not in CCRIS
NDI (Net Disposable Income)
RM —
Nett Salary − Deductions
Age
—
Years old
Max Tenure to Retirement
—
Based on retirement age 60
CCRIS Commitment Table
| # | Bank | Type | Current Commit. (RM) | After Commit. (RM) | Outstanding (RM) | Settlement Amt (RM) | Adjust. |
|---|---|---|---|---|---|---|---|
| TOTAL | RM 0 | RM 0 | RM 0 | RM 0 | |||
Debt Service Ratio (DSR) Analysis
Current DSR (After Settlement)
0.0%
Based on "After" commitments
Available DSR
—
Remaining capacity (60% limit)
Key Available MI
RM —
Min(DSR-based, NDI-based)
NDI Remaining
RM —
After all commitments
Enter salary and CCRIS data to see DSR status.
Loan Eligibility Overview
| 🏦 Personal Loan (3.2% flat, 10 yrs) | RM — |
| 🏠 PCOP (4.00% p.a. reducing, 35 yrs) | RM — |
| 🚗 Car Loan (4.0% p.a. reducing, 9 yrs) | RM — |
| 💳 Credit Card Limit (10× Gross Salary) | RM — |
ℹ️ Personal Loan uses flat rate formula, capped at 20× gross salary.
PCOP & Car Loan use reducing balance (PV annuity) formula.
DSR limit: 60% for gross ≤ RM 5,000 · 85% for gross > RM 5,000.
Global Settings
% of settlement amount per month
Number of installment months
% of loan amount
Override "Monthly Before" comparison
⚠️ All loan amounts and interest rates shown are indicative only and do not constitute a guarantee of bank approval or loan obtainable.
All loans remain subject to final bank approval. Figures are for illustration purposes only.