{"id":1307,"date":"2026-08-14T13:35:36","date_gmt":"2026-08-14T05:35:36","guid":{"rendered":"https:\/\/alrizqmortgage.com\/?page_id=1307"},"modified":"2026-08-15T14:26:11","modified_gmt":"2026-08-15T06:26:11","slug":"dsr-calculator","status":"publish","type":"page","link":"https:\/\/alrizqmortgage.com\/ms\/dsr-calculator\/","title":{"rendered":"Kalkulator DSR"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1307\" class=\"elementor elementor-1307\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f18739 e-flex e-con-boxed e-con e-parent\" data-id=\"3f18739\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-353d1c7 e-con-full xpro-glass-enabled--yes xpro-glass-effect__glass2 e-flex xpro-glass-shadow__none e-con e-child\" data-id=\"353d1c7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;xpro_liquid_glass_enable&quot;:&quot;yes&quot;,&quot;xpro_liquid_glass_effect&quot;:&quot;glass2&quot;,&quot;xpro_liquid_glass_shadow&quot;:&quot;none&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4c4234 elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"d4c4234\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hfe-breadcrumbs-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"Navigasi halaman\"><ul class=\"hfe-breadcrumbs\"><\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9876ba elementor-widget elementor-widget-heading\" data-id=\"e9876ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ketahui nisbah khidmat hutang anda seperti yang dinilai oleh bank.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eae7d7 elementor-widget elementor-widget-text-editor\" data-id=\"7eae7d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tNisbah Khidmat Hutang (DSR) membandingkan komitmen bulanan dengan pendapatan bulanan anda. Ini antara perkara pertama yang dinilai oleh bank. Masukkan pendapatan dan komitmen semasa untuk mengetahui kedudukan anda sebelum memohon.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bc950cf e-con-full e-flex e-con e-child\" data-id=\"bc950cf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-00649e1 e-flex e-con-boxed e-con e-parent\" data-id=\"00649e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71ffa10 elementor-widget elementor-widget-mlpc_dsr\" data-id=\"71ffa10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mlpc_dsr.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section\n\t\t\tid=\"mlpc-dsr-1\"\n\t\t\tclass=\"mlpc-calculator mlpc-calculator--dsr\"\n\t\t\tdata-mlpc-type=\"dsr\"\n\t\t>\n\t\t\t<script type=\"application\/json\" class=\"mlpc-calculator__config\">{\"legal\":{\"firstLimit\":500000,\"firstRate\":1.25,\"secondLimit\":7500000,\"secondRate\":1,\"excessRate\":1,\"minimumFee\":500,\"hdaFixedLimit\":50000,\"hdaFixedFee\":500,\"hdaBandOneLimit\":250000,\"hdaBandOnePercent\":75,\"hdaBandTwoLimit\":500000,\"hdaBandTwoPercent\":70,\"hdaBandThreeLimit\":1000000,\"hdaBandThreePercent\":65,\"hdaAbovePercent\":50},\"transfer\":{\"firstLimit\":100000,\"firstRate\":1,\"secondLimit\":500000,\"secondRate\":2,\"thirdLimit\":1000000,\"thirdRate\":3,\"excessRate\":4},\"loanStamp\":{\"unit\":1000,\"perUnit\":5,\"minimumDuty\":10},\"homeLoan\":{\"defaultMargin\":80,\"defaultInterest\":4,\"defaultTenure\":30,\"maxTenure\":35},\"affordability\":{\"defaultInterest\":4,\"defaultTenure\":35,\"defaultDownPayment\":10,\"maxTenure\":35,\"maxAge\":70,\"rounding\":1000},\"dsr\":{\"defaultInterest\":4,\"defaultTenure\":35,\"maxTenure\":35,\"creditCardRate\":5,\"excellentLimit\":40,\"moderateLimit\":60},\"lppsa\":{\"defaultInterest\":4,\"defaultTenure\":35,\"maxTenure\":40,\"instalmentLimit\":60,\"debtLimit\":80,\"minNetRetention\":20},\"effectiveDate\":\"2023-07-15\",\"lastUpdated\":\"2026-08-07\",\"strings\":{\"propertyValue\":\"Property value (RM)\",\"loanAmount\":\"Loan amount (RM)\",\"loanStampInvalid\":\"Please enter a valid loan amount greater than RM0.\",\"transferStampInvalid\":\"Please enter valid purchase price and market value amounts greater than RM0.\",\"homeLoanInvalid\":\"Please check the loan amount, interest rate, loan tenure and optional extra payment.\",\"affordabilityInvalid\":\"Please check the gross income, net income, monthly expenses and assumptions. Monthly expenses must remain below the automatically calculated affordability limit.\",\"dsrInvalid\":\"Please check the net monthly income, commitments, proposed loan amount, tenure and interest rate.\",\"dsrExcellent\":\"Excellent (High Chance of Approval)\",\"dsrModerate\":\"Moderate (Possible Approval)\",\"dsrHigh\":\"High Risk (Low Chance of Approval)\",\"lppsaInvalid\":\"Please check the salary, deductions, commitments, financing amount and assumptions. Deductions and commitments must remain below the applicable income limits.\",\"lppsaSalaryLimit\":\"Salary-based eligibility\",\"lppsaRequestedLimit\":\"Requested financing amount\",\"lppsaPropertyLimit\":\"Property price\",\"lppsaValuationLimit\":\"JPPH valuation\"}}<\/script>\n\n\t\t\t\n\t\t\t\t\t\t\t\t\t<form class=\"mlpc-dsr\" data-mlpc-dsr-form novalidate action=\"\">\n\t\t\t<div class=\"mlpc-dsr__inputs\">\n\t\t\t\t<div class=\"mlpc-dsr__fields\">\n\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-dsr-1-net-income\"\n\t\t\t\t\t\t\t>\n\t\t\t\tNet monthly income (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-dsr-1-net-income\"\n\t\t\t\t\tname=\"net_income\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-dsr-1-net-income-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-dsr-1-net-income-helper\" class=\"mlpc-calculator__helper\">Your monthly take-home income after statutory deductions.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t<section class=\"mlpc-dsr__commitments\" aria-labelledby=\"mlpc-dsr-1-commitments-title\">\n\t\t\t\t\t<h3 id=\"mlpc-dsr-1-commitments-title\">Existing Commitments<\/h3>\n\t\t\t\t\t<div class=\"mlpc-dsr__fields\">\n\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field mlpc-dsr__commitment-group\" data-mlpc-dsr-group=\"credit_card\">\n\t\t\t<label for=\"mlpc-dsr-1-credit-card\">Credit card outstanding (RM)<\/label>\n\t\t\t<div class=\"mlpc-dsr__commitment-row\">\n\t\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"mlpc-dsr-1-credit-card\" name=\"credit_card[]\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\" data-mlpc-money data-mlpc-dsr-commitment=\"credit_card\" aria-describedby=\"mlpc-dsr-1-credit-card-helper\">\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"mlpc-dsr__add\" data-mlpc-dsr-add=\"credit_card\" aria-label=\"Add another Credit card outstanding (RM)\" title=\"Add another\">+<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"mlpc-dsr__extra-rows\" data-mlpc-dsr-rows=\"credit_card\"><\/div>\n\t\t\t<p id=\"mlpc-dsr-1-credit-card-helper\" class=\"mlpc-calculator__helper\">5% of the balance is treated as a monthly commitment.<\/p>\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field mlpc-dsr__commitment-group\" data-mlpc-dsr-group=\"personal_loan\">\n\t\t\t<label for=\"mlpc-dsr-1-personal-loan\">Personal loan (monthly instalment, RM)<\/label>\n\t\t\t<div class=\"mlpc-dsr__commitment-row\">\n\t\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"mlpc-dsr-1-personal-loan\" name=\"personal_loan[]\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\" data-mlpc-money data-mlpc-dsr-commitment=\"personal_loan\" >\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"mlpc-dsr__add\" data-mlpc-dsr-add=\"personal_loan\" aria-label=\"Add another Personal loan (monthly instalment, RM)\" title=\"Add another\">+<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"mlpc-dsr__extra-rows\" data-mlpc-dsr-rows=\"personal_loan\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field mlpc-dsr__commitment-group\" data-mlpc-dsr-group=\"hire_purchase\">\n\t\t\t<label for=\"mlpc-dsr-1-hire-purchase\">Hire purchase (monthly instalment, RM)<\/label>\n\t\t\t<div class=\"mlpc-dsr__commitment-row\">\n\t\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"mlpc-dsr-1-hire-purchase\" name=\"hire_purchase[]\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\" data-mlpc-money data-mlpc-dsr-commitment=\"hire_purchase\" >\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"mlpc-dsr__add\" data-mlpc-dsr-add=\"hire_purchase\" aria-label=\"Add another Hire purchase (monthly instalment, RM)\" title=\"Add another\">+<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"mlpc-dsr__extra-rows\" data-mlpc-dsr-rows=\"hire_purchase\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field mlpc-dsr__commitment-group\" data-mlpc-dsr-group=\"mortgage_loan\">\n\t\t\t<label for=\"mlpc-dsr-1-mortgage-loan\">Mortgage loan (monthly instalment, RM)<\/label>\n\t\t\t<div class=\"mlpc-dsr__commitment-row\">\n\t\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"mlpc-dsr-1-mortgage-loan\" name=\"mortgage_loan[]\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\" data-mlpc-money data-mlpc-dsr-commitment=\"mortgage_loan\" >\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"mlpc-dsr__add\" data-mlpc-dsr-add=\"mortgage_loan\" aria-label=\"Add another Mortgage loan (monthly instalment, RM)\" title=\"Add another\">+<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"mlpc-dsr__extra-rows\" data-mlpc-dsr-rows=\"mortgage_loan\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field mlpc-dsr__commitment-group\" data-mlpc-dsr-group=\"education_loan\">\n\t\t\t<label for=\"mlpc-dsr-1-education-loan\">Education loan (monthly instalment, RM)<\/label>\n\t\t\t<div class=\"mlpc-dsr__commitment-row\">\n\t\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"mlpc-dsr-1-education-loan\" name=\"education_loan[]\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\" data-mlpc-money data-mlpc-dsr-commitment=\"education_loan\" >\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"mlpc-dsr__add\" data-mlpc-dsr-add=\"education_loan\" aria-label=\"Add another Education loan (monthly instalment, RM)\" title=\"Add another\">+<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"mlpc-dsr__extra-rows\" data-mlpc-dsr-rows=\"education_loan\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field mlpc-dsr__commitment-group\" data-mlpc-dsr-group=\"other_commitment\">\n\t\t\t<label for=\"mlpc-dsr-1-other-commitment\">Other commitment (monthly instalment, RM)<\/label>\n\t\t\t<div class=\"mlpc-dsr__commitment-row\">\n\t\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"mlpc-dsr-1-other-commitment\" name=\"other_commitment[]\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\" data-mlpc-money data-mlpc-dsr-commitment=\"other_commitment\" >\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"mlpc-dsr__add\" data-mlpc-dsr-add=\"other_commitment\" aria-label=\"Add another Other commitment (monthly instalment, RM)\" title=\"Add another\">+<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"mlpc-dsr__extra-rows\" data-mlpc-dsr-rows=\"other_commitment\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\n\t\t\t\t<section class=\"mlpc-dsr__proposed\" aria-labelledby=\"mlpc-dsr-1-proposed-title\">\n\t\t\t\t\t<h3 id=\"mlpc-dsr-1-proposed-title\">Proposed Financing<\/h3>\n\t\t\t\t\t<div class=\"mlpc-dsr__fields\">\n\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-dsr-1-proposed-loan\"\n\t\t\t\t\t\t\t>\n\t\t\t\tProposed new loan amount (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-dsr-1-proposed-loan\"\n\t\t\t\t\tname=\"proposed_loan\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label for=\"mlpc-dsr-1-loan-tenure\">Loan tenure (years)<\/label>\n\t\t\t<input\n\t\t\t\ttype=\"number\"\n\t\t\t\tid=\"mlpc-dsr-1-loan-tenure\"\n\t\t\t\tname=\"loan_tenure\"\n\t\t\t\tvalue=\"35\"\n\t\t\t\tstep=\"1\"\n\t\t\t\tmin=\"1\"\n\t\t\t\tmax=\"35\"\n\t\t\t\tinputmode=\"decimal\"\n\t\t\t>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label for=\"mlpc-dsr-1-interest-rate\">Kadar keuntungan\/faedah (% setahun)<\/label>\n\t\t\t<input\n\t\t\t\ttype=\"number\"\n\t\t\t\tid=\"mlpc-dsr-1-interest-rate\"\n\t\t\t\tname=\"interest_rate\"\n\t\t\t\tvalue=\"4\"\n\t\t\t\tstep=\"0.01\"\n\t\t\t\tmin=\"0\"\n\t\t\t\tmax=\"100\"\n\t\t\t\tinputmode=\"decimal\"\n\t\t\t>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\n\t\t\t\t<div class=\"mlpc-calculator__message\" data-mlpc-message role=\"status\" aria-live=\"polite\"><\/div>\n\t\t\t\t<div class=\"mlpc-dsr__actions\">\n\t\t\t\t\t<button type=\"submit\" class=\"mlpc-dsr__calculate\">Kira<\/button>\n\t\t\t\t\t<button type=\"reset\" class=\"mlpc-dsr__clear\">Clear<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<section class=\"mlpc-dsr__results\" aria-live=\"polite\" aria-atomic=\"true\">\n\t\t\t\t<span class=\"mlpc-dsr__eyebrow\">Estimated DSR<\/span>\n\t\t\t\t<output class=\"mlpc-dsr__percentage\" data-mlpc-dsr-percentage>--<\/output>\n\t\t\t\t<p class=\"mlpc-dsr__percentage-label\">Debt Service Ratio<\/p>\n\t\t\t\t<div class=\"mlpc-dsr__status\" data-mlpc-dsr-status-box data-status=\"empty\">\n\t\t\t\t\t<span>Approval Outlook<\/span>\n\t\t\t\t\t<strong data-mlpc-dsr-status>--<\/strong>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"mlpc-dsr__metrics\">\n\t\t\t\t\t<div><span>Proposed Monthly Instalment<\/span><strong data-mlpc-dsr-instalment>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Existing Commitments<\/span><strong data-mlpc-dsr-existing>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Total Monthly Commitments<\/span><strong data-mlpc-dsr-total>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Credit Card Commitment<\/span><strong data-mlpc-dsr-credit-card>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Total Interest<\/span><strong data-mlpc-dsr-interest>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Total Repayment<\/span><strong data-mlpc-dsr-repayment>--<\/strong><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<p class=\"mlpc-dsr__note\">This estimate is indicative only. Banks and financing providers may use different income recognition, commitment calculations, DSR limits, rates and approval criteria.<\/p>\n\t\t\t<\/section>\n\t\t<input type=\"hidden\" name=\"trp-form-language\" value=\"ms\"\/><\/form>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__notice\">\n\t\t\t<p>Kalkulator ini memberikan anggaran untuk rujukan umum sahaja. Yuran guaman, duti setem, kos pembiayaan dan cukai sebenar mungkin berbeza. Dapatkan nasihat profesional dan sebut harga rasmi sebelum meneruskan.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d9321d2 e-flex e-con-boxed e-con e-parent\" data-id=\"d9321d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a8e49ca elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a8e49ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49472c7 elementor-widget elementor-widget-heading\" data-id=\"49472c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Maksud Keputusan Ini\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d309407 elementor-widget elementor-widget-text-editor\" data-id=\"d309407\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>DSR menunjukkan peratus pendapatan bulanan yang telah digunakan untuk membayar komitmen hutang. Kebanyakan bank menetapkan had DSR tertentu sebelum meluluskan pembiayaan baharu. Secara umum, DSR yang lebih rendah memberikan ruang kewangan yang lebih baik. Jika keputusan anda hampir atau melebihi had biasa bank, berbincanglah dengan penasihat sebelum menghantar permohonan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f0cc5f e-con-full e-flex e-con e-child\" data-id=\"4f0cc5f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c7580f elementor-widget elementor-widget-text-editor\" data-id=\"3c7580f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tKalkulator ini memberikan anggaran untuk rujukan umum sahaja. Jumlah sebenar mungkin berbeza. Dapatkan nasihat profesional sebelum meneruskan.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d7ca9f e-flex e-con-boxed e-con e-parent\" data-id=\"2d7ca9f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4ae5d14 e-con-full e-flex e-con e-child\" data-id=\"4ae5d14\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15c7e4d elementor-widget elementor-widget-heading\" data-id=\"15c7e4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Perlukan bantuan memahami keputusan anda?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed98521 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"ed98521\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/alrizqmortgage.com\/ms\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Bincangkan Keputusan dengan Penasihat<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>See your Debt Service Ratio the way banks calculate it. Your Debt Service Ratio (DSR) compares your monthly commitments to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1307","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1307","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/comments?post=1307"}],"version-history":[{"count":13,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1307\/revisions"}],"predecessor-version":[{"id":1669,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1307\/revisions\/1669"}],"wp:attachment":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/media?parent=1307"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}