🇲🇾 Malaysia's #1 Free Home Loan Screener

Free Home Loan Eligibility Check — 3 Minutes, No IC Needed

Semak kelayakan loan rumah anda percuma — bandingkan 22 bank, DSR calculator, hasil serta-merta.

72% of Malaysian homebuyers face financing issues. Our smart screener analyses your profile against 22 banks instantly — no waiting, no paperwork.

🏦 22 Banks Covered
⏱️ 3-Min Check
🛡️ 100% Free
👥 1,200+ Helped

🔍 Quick Eligibility Check

Monthly Gross Income (RM)
Property Price (RM)
Monthly Commitments (RM)
No registration required · 100% free
22
Banks Screened
1,200+
Buyers Helped
85%
Approval Rate
100%
Free to Check
How It Works

3 Simple Steps to Your Answer

No complicated forms. No waiting. Get your loan eligibility and matched banks in minutes.

1

Fill Your Profile

Income, commitments, property price — takes 3 minutes. No IC number needed.

2

Get Instant Results

Our engine checks your DSR against all 22 bank criteria. See which banks you qualify for.

3

Book Free Consult

Our mortgage advisor unlocks the bank names and guides your application — zero fee.

Your Results

3 Outcomes — All Personalised

Whatever your profile, we have a clear path forward for you.

✅ Strong Profile

DSR below 60% · Clean CCRIS · Stable income

4 banks likely to approve
████████ Bank
████████ Bank
🔒 Bank names revealed in free consultation
See Full Results →

⚠️ Borderline Profile

DSR 60–70% · May qualify with 1–2 banks under specific conditions

Conditions exist — advisor can position your case
✓ Some banks accept joint applications
✓ Self-employed exemptions apply
✓ First home buyer schemes available
Talk to Our Advisor →

❌ Weak Profile

DSR above 70% or CCRIS issues — get exact reasons + recovery plan

3 reasons identified
⚠️ DSR at 78% (limit: 70%)
⚠️ CCRIS: 1 month overdue
⚠️ Car loan commitment too high
📋 6-month recovery plan available
Get My Recovery Plan →
Free · No Registration

Know Your Home Loan
Eligibility in 3 Minutes

malaysia-home-loan-eligibility-check-free-mortgage-screener

Most portals show you listings and disappear. We guide you from first check to keys in hand — free, fast, and with real professionals across 22 Malaysian banks.

Free DSR & Loan Eligibility Check
Know your approval chances across 22 banks — no registration needed.
Instant Bank-Matching Report
DSR calculated instantly. See which banks fit your profile before you visit a branch.
Expert Advisors, End-to-End
Our advisors handle submission, negotiation, and lawyer coordination for you.
Check My Eligibility Free →
Professional Network

Join Malaysia's Growing Mortgage Network

Free registration for bankers, valuers, lawyers, and property agents. Get listed, get referrals.

Banker

  • ✓ Pre-screened, loan-ready leads
  • ✓ Monthly case volume, no cold calls
  • ✓ Free registration, no commitment
Join as Banker →

Valuer

  • ✓ Matched by location & property type
  • ✓ Instant WhatsApp referrals
  • ✓ Free listing, grow your client base
Join as Valuer →

Lawyer

  • ✓ S&P & loan documentation cases
  • ✓ Verified buyers, ready to proceed
  • ✓ Free registration, no hidden fees
Join as Lawyer →

Property Agent

  • ✓ Refer buyers for free consultation
  • ✓ We handle the loan, you close the deal
  • ✓ Free partnership, no commitment
Join as Property Agent →

What Our Clients Say

★★★★★

"I was rejected twice before finding Threenity. The screener showed exactly why — my DSR was 74%. They helped me restructure my commitments and I got approved 4 months later."

Ahmad Fadzli
Approved RM 560,000 · Selangor
★★★★★

"Self-employed and everyone told me banks won't approve. Threenity found 2 banks that accept my business income. Closed my first condo in Cheras last month!"

Mei Ling Tan
Self-employed · Approved RM 420,000
★★★★★

"Free check, free consultation, no pressure. The advisor was honest about which banks suit my profile. Got a 4.1% rate at Maybank. Couldn't be happier."

Raj Subramaniam
First-time buyer · Petaling Jaya
★★★★★

"Kami tak tahu DSR kami terlalu tinggi. Threenity jelaskan semua dengan mudah dan bantu kami mohon secara joint. Dapat RM 480,000 dari RHB — terima kasih!"

Siti Hajar
Joint loan with husband · Nilai

Ready to Check Your Eligibility?

Free. 3 minutes. No IC number needed. Get matched with banks that suit YOU.

Start Free Check Now →Join as Professional