Hi everyone

If I am going to apply a bank loan for housing, usually the bank will look at the total outstanding amount, or the limit/installment amount for DSR calculation ?

For my case here, I will early settle the personal loan to avoid the bad scoring, any other portion that I can improve to make the DSR more better when applying a housing bank loan?



My monthly fixed income is 9.5k before deduct the epf contribution and tax contribution.

I am settle-ing all of the credit card outstanding with my bank account saving, and also early settlement the personal loan this month.

All the while I am clearing my credit card outstanding every month, there is no minimum payment was made, and no delay on paying the bill.

The existing house loan and car loan will be still remain after clearing credit card and personal loan outstanding.

The current house has rented to tenant with a valid stamped tenancy agreement for 1400.