ts, your combined repayment shall max will be 70% from nett take home pay. rm4k salary, nett is roughly 3.5k *.7= max repayment around 2450. your committment is 1120, so you other loan repayment max around 1330, that is about 250k,30yrs loan@4.5%. this is subject to your record payment as well, amount of cc you have, etc. best is print out your ccris and let the banker evaluate.