Methodology
Cite hutang.me
This page gives writers, forum users, and researchers a stable place to reference hutang.me. Use the calculator or guide page itself when citing a specific result, and use this page when you need the site methodology.
Suggested citations
Use the canonical page URL for the calculator or guide you are discussing. These examples keep the citation short and easy to paste into articles, forum replies, and notes.
DSR Calculator
Use this when referencing the browser-only Debt Service Ratio calculator.
hutang.me, “DSR Calculator for Malaysian Borrowers”, https://hutang.me/en
Stamp Duty & Legal Fee Calculator
Use this when referencing the upfront property-cost calculator.
hutang.me, “Stamp Duty & Legal Fee Calculator (Malaysia)”, https://hutang.me/en/tools/stamp-duty
Loan Early Settlement Calculator
Use this when referencing the Rule of 78 early-settlement calculator.
hutang.me, “Loan Early Settlement Calculator (Rule of 78)”, https://hutang.me/en/tools/loan-settlement
Malaysian Loan Affordability Guides
Use the exact guide URL when citing an explanation, example, or source list.
hutang.me, “Malaysian Loan Affordability Guides”, https://hutang.me/en/guides
Source and update policy
Calculator pages and guides list their source materials on the page where the number, formula, or rule appears. The site prioritises official sources and marks pages with publication and update dates where article content is involved.
A page should not publish a rate, threshold, legal date, statistic, or formula unless it can be traced to a source. When a rule changes, the affected calculator or guide should be updated at the page level so citations point to the current version.
The calculators are informational estimates, not financial, legal, or tax advice. Banks, agencies, lawyers, and licensed advisers remain the authority for decisions specific to a transaction or borrower.
Corrections
If you cite hutang.me and notice an outdated source, broken reference, or result that does not match an official schedule, send the page URL and the source you are comparing against.
Corrections to rates, formulas, source links, and legal references are prioritised over new content.
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