Getting Another Commitment? Check Your Debt Service Ratio (DSR) First
Just because you can make the payment, doesn't mean you can afford it. Before applying any loan— Check your DSR index here first.
New Volkswagen Golf
2.5K/month
New Apartment
1.8K/month
New iPhone Pro Max
204/month
Personal Loan
960/month
Student Loan
300/month
New Washer Dryer
899/month
New Volkswagen Golf
2.5K/month
New Apartment
1.8K/month
New iPhone Pro Max
204/month
Personal Loan
960/month
Student Loan
300/month
New Washer Dryer
899/month
New Volkswagen Golf
2.5K/month
New Apartment
1.8K/month
New iPhone Pro Max
204/month
Personal Loan
960/month
Student Loan
300/month
New Washer Dryer
899/month
New Volkswagen Golf
2.5K/month
New Apartment
1.8K/month
New iPhone Pro Max
204/month
Personal Loan
960/month
Student Loan
300/month
New Washer Dryer
899/month
New Volkswagen Golf
2.5K/month
New Apartment
1.8K/month
New iPhone Pro Max
204/month
Personal Loan
960/month
Student Loan
300/month
New Washer Dryer
899/month
New Volkswagen Golf
2.5K/month
New Apartment
1.8K/month
New iPhone Pro Max
204/month
Personal Loan
960/month
Student Loan
300/month
New Washer Dryer
899/month
New Volkswagen Golf
2.5K/month
New Apartment
1.8K/month
New iPhone Pro Max
204/month
Personal Loan
960/month
Student Loan
300/month
New Washer Dryer
899/month
New Volkswagen Golf
2.5K/month
New Apartment
1.8K/month
New iPhone Pro Max
204/month
Personal Loan
960/month
Student Loan
300/month
New Washer Dryer
899/month
Healthy DSR Index is between 30-40%*
Actually, the lower the DSR, the better the chance that you can get a loan approved. Best advice is you should always maintain the DSR within 30-40% range.
Gross Monthly Income (MYR)*
Other Monthly Income (MYR)
CURRENT COMMITMENTS
Fill any of the monthly commitments below that applicable to you.
Housing Loan (MYR)
Car Loan (MYR)
Personal Loan (MYR)
Student Loan (MYR)
Credit Card Spend (MYR)
Other Loan (MYR)
I want to add new commitment/loan
CURRENT DSR (%)
0.00 %
Monthly Income (MYR) - 0.00
Monthly Outflow (MYR) - 0.00
Remaining Balance (MYR) - 0.00
DSR INDEX
Calculate DSR First
THEN YOU'LL KNOW
If you never try then you'll never know.
Bank Won't Lend You Money if Your DSR is Bad.
Bank also won't lend you money if your
CTOS/CCRIS recordsucks. If you can buy house/car on cash term — that's good. But if want to buy it on loan term, having a good DSR is a must.
WHAT'S DSR?
Debt Service Ratio (DSR) is the ratio of the amount of debt/commitment to the income received each month.
High Income
Low Income
High Debt/Commitment
Low Debt/Commitment
DSR =
WHY IT'S IMPORTANT?
Low DSR is attractive to a bank as it indicates that you can pay the monthly instalments on time and there is a lower risk of you not paying.
BANKS' ACCEPTABLE DSR VARIES
Different banks have varying debt-to-income ratio limits, with some allowing up to 80% and others capping at 50%.
The DSR limit also varies according to each individual and their respective levels of net income. Some high net-worth individuals are even allowed a DSR of 100%!
Disclaimer: DSRCalculator is provided for informational and reference purposes only. We do not keep and use your data at all. The calculations performed by this calculator are not intended to replace or substitute for professional advice or professional financial office/banker calculations provided by any banks or other relevant financial service providers.
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