How much the bank willing to LEND to you?

Normally, the bank will not lend you more than 1/3 of your monthly income.
For e.g., if your monthly income is RM 3,000, then the monthly instalment of your loan shall not more than RM 1,000.

□ 银行愿意借多少钱给你?
一般上，银行不会借超过你月入的超过1/3。
假设你月入RM3k,那你的房贷每月偿还额不能超过RM1k。。