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TornadoByte

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 gti dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Volkswagen Golf

2.5K/month

/new apartment dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Apartment

1.8K/month

/new iphone pro max hilman ahmad tornadobyte aan hamdani dsr calculator.png

New iPhone Pro Max

204/month

/personal loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Personal Loan

960/month

/student loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Student Loan

300/month

/new washer dryer epp dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Washer Dryer

899/month

/new volkswagen golf gti dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Volkswagen Golf

2.5K/month

/new apartment dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Apartment

1.8K/month

/new iphone pro max hilman ahmad tornadobyte aan hamdani dsr calculator.png

New iPhone Pro Max

204/month

/personal loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Personal Loan

960/month

/student loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Student Loan

300/month

/new washer dryer epp dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Washer Dryer

899/month

/new volkswagen golf gti dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Volkswagen Golf

2.5K/month

/new apartment dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Apartment

1.8K/month

/new iphone pro max hilman ahmad tornadobyte aan hamdani dsr calculator.png

New iPhone Pro Max

204/month

/personal loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Personal Loan

960/month

/student loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Student Loan

300/month

/new washer dryer epp dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Washer Dryer

899/month

/new volkswagen golf gti dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Volkswagen Golf

2.5K/month

/new apartment dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Apartment

1.8K/month

/new iphone pro max hilman ahmad tornadobyte aan hamdani dsr calculator.png

New iPhone Pro Max

204/month

/personal loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Personal Loan

960/month

/student loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Student Loan

300/month

/new washer dryer epp dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Washer Dryer

899/month

/new volkswagen golf gti dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Volkswagen Golf

2.5K/month

/new apartment dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Apartment

1.8K/month

/new iphone pro max hilman ahmad tornadobyte aan hamdani dsr calculator.png

New iPhone Pro Max

204/month

/personal loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Personal Loan

960/month

/student loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Student Loan

300/month

/new washer dryer epp dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Washer Dryer

899/month

/new volkswagen golf gti dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Volkswagen Golf

2.5K/month

/new apartment dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Apartment

1.8K/month

/new iphone pro max hilman ahmad tornadobyte aan hamdani dsr calculator.png

New iPhone Pro Max

204/month

/personal loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Personal Loan

960/month

/student loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Student Loan

300/month

/new washer dryer epp dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Washer Dryer

899/month

/new volkswagen golf gti dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Volkswagen Golf

2.5K/month

/new apartment dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Apartment

1.8K/month

/new iphone pro max hilman ahmad tornadobyte aan hamdani dsr calculator.png

New iPhone Pro Max

204/month

/personal loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Personal Loan

960/month

/student loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Student Loan

300/month

/new washer dryer epp dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Washer Dryer

899/month

/new volkswagen golf gti dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Volkswagen Golf

2.5K/month

/new apartment dsr calculator tornadobyte hilman ahmad aan hamdani.png

New Apartment

1.8K/month

/new iphone pro max hilman ahmad tornadobyte aan hamdani dsr calculator.png

New iPhone Pro Max

204/month

/personal loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Personal Loan

960/month

/student loan dsr calculator tornadobyte hilman ahmad aan hamdani.png

Student Loan

300/month

/new washer dryer epp dsr calculator tornadobyte hilman ahmad aan hamdani.png

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 record

sucks. 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.

Oof Christian Bale GIF Hilman Ahmad Aan Hamdani DSR Calculator Tornadobyte
loan-get-approved-word-infinate-rotate

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%!

calculator dsr calculator tornadobyte hilman ahmad aan hamdani

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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