# Cara Kira Kemampuan Bayar Loan: Calculator & Panduan Mudah
Boleh Ke Saya Bayar Loan Ini?
Ini soalan PALING PENTING sebelum mohon pinjaman. Ramai orang apply tanpa kira dulu - lepas tu susah nak bayar, kena default, CCRIS rosak!
Artikel ini ajar 3 formula penting: 1. DSR - Bank guna ini 2. 50/30/20 Rule - Reality check 3. Emergency Buffer - Safety net
Formula #1: DSR (Bank Guna Ini!)
DSR = (Total Loan Payment / Income) × 100%
- Bank's Rule:**
- DSR ≤ 60% = OKAY
- DSR 60-70% = RISKY
- DSR > 70% = TOO HIGH
- Contoh:**
- Gaji: RM5,000
- Car loan: RM600
- Credit card: RM150
- PTPTN: RM250
- Total: RM1,000
- DSR = 20% ✅
Formula #2: 50/30/20 Rule (Reality Check)
DSR tak cukup! Kena consider living expenses juga!
- 50/30/20 Breakdown:**
- 50% NEEDS (rumah, food, utilities)
- 30% WANTS (entertainment, shopping)
- 20% SAVINGS & DEBT
- Contoh: Gaji RM3,000**
- NEEDS (RM1,500): Sewa, groceries, petrol
- WANTS (RM900): Makan luar, entertainment
- SAVINGS+DEBT (RM600): Available for loan = RM300-400
Formula #3: Maximum Loan Amount
Quick Reference Tables:
- Kalau boleh bayar RM500/bulan:**
- 2 tahun (6% flat) = RM11,300 max
- 3 tahun (6% flat) = RM16,900 max
- 5 tahun (6% flat) = RM27,800 max
- Kalau boleh bayar RM1,000/bulan:**
- 2 tahun (6% flat) = RM22,600 max
- 3 tahun (6% flat) = RM33,800 max
- 5 tahun (6% flat) = RM55,600 max
Real-Life Examples
# Example 1: Fresh Graduate - Gaji: RM2,500 - No existing loans - Available for loan: RM300-350/bulan - Can borrow: ~RM10,000 (3 tahun) - **Verdict:** ✅ Boleh, tapi tight
# Example 2: Young Family - Combined income: RM6,000 - Car: RM800, Housing: RM1,200 - Available: RM400/bulan - **Verdict:** ⚠️ TIGHT! Better save first
# Example 3: Business Owner - Income varies: RM5,000-8,000 - Use minimum: RM5,000 - **Verdict:** ❌ Stabilize income first
5 Mistakes Yang Ramai Buat
- ❌ "Bank approve means I can afford!"
- ❌ Tak include all expenses
- ❌ Count gross salary instead of net
- ❌ Assume income will increase
- ❌ Tak ada emergency fund
Need Help Calculating?
- iKasih Credit** akan bantu anda:
- Calculate realistic affordability
- Recommend suitable amount
- Explain all costs transparently
- Ensure you can afford it
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