How much loan can I get with $8k salary?

With a monthly income of $8,000, the maximum you can use for all debt repayments under the Total Debt Servicing Ratio (TDSR) is 55%, which is $4,400 per month. If you have no other debts, this amount can go towards your property loan.

Assuming an interest rate of 3.5% per annum and a loan tenure of 25 years, the estimated maximum home loan you can get is approximately $879,882 (using the same calculation method as the example provided for a $10,000 income).

The actual loan amount may be lower if you have existing debts or if your loan tenure exceeds 30 years or extends beyond age 65, as stricter loan-to-value (LTV) limits will apply.