I'm going to buy a shoplot. Going to be under my name and my wife name.

What is the maximum amount of loan we can take for commercial property ?

Income (me & wife) : RM 8k

- No loan for car
- my wife is a gov staff
- Has 4 residential properties under my name

Prop 1 installment - RM775 (rent out RM1600)
Prop 2 Installment - RM1250 (rent out RM2400)
Prop 3 installment - RM1950 (Rent out RM2700)
prop 4 installment - RM950 (staying)

So total income
8000 + 1600 + 2400 + 2700 = RM14700

total liabilities
775 + 1250 + 1950 + 950 = 4925