DSR Calculator - Debt Service Ratio
2026 DSR Regulation Loan Limit Calculator
Calculate your DSR (Debt Service Ratio) to check loan eligibility. Verify if you meet the 40% DSR regulation required for bank loans.
๐ What is DSR?
DSR (Debt Service Ratio) is the ratio of annual principal and interest payments on all loans to annual income. Since 2024, a 40% DSR cap applies to all household loans, meaning only 40% of your annual income can be used for loan repayments.
๐ Mortgage Calculator
Monthly Payment
$1.5K
Total Payment
$547.2K
Total Interest
$247.2K
82.4% of principal
๐ Principal vs Interest
Principal
$300.0K
Interest
$247.2K
๐ Payment Schedule
| Year | Annual Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $18,240.67 | $4,839.68 | $13,400.99 | $295.2K |
| 2 | $18,240.67 | $5,062.01 | $13,178.66 | $290.1K |
| 3 | $18,240.67 | $5,294.56 | $12,946.11 | $284.8K |
| 4 | $18,240.67 | $5,537.79 | $12,702.88 | $279.3K |
| 5 | $18,240.67 | $5,792.20 | $12,448.47 | $273.5K |
| 6 | $18,240.67 | $6,058.29 | $12,182.38 | $267.4K |
| 7 | $18,240.67 | $6,336.61 | $11,904.06 | $261.1K |
| 8 | $18,240.67 | $6,627.71 | $11,612.96 | $254.5K |
| 9 | $18,240.67 | $6,932.19 | $11,308.48 | $247.5K |
| 10 | $18,240.67 | $7,250.65 | $10,990.02 | $240.3K |
| ... Total 30 years | ||||
๐ฐ Interest Rate Comparison
| Rate | Monthly | Total Interest | Difference |
|---|---|---|---|
| 3.5% | $1,347.13 | $185.0K | -$62.3K |
| 4.0% | $1,432.25 | $215.6K | -$31.6K |
| 4.5% | $1,520.06 | $247.2K | +$0.0 |
| 5.0% | $1,610.46 | $279.8K | +$32.5K |
| 5.5% | $1,703.37 | $313.2K | +$66.0K |
Mortgage Calculation Result
Monthly $1.5K
โจ Total interest $247.2KLoan $300.0K, 4.5% rate, 30 years
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Important Note
This calculator is for reference only. Actual loan terms may vary based on lender, credit score, and collateral value. Contact your financial institution for accurate information.
๐ DSR Formula
DSR(%) = (Annual P&I Payments on All Loans รท Annual Income) ร 100
DSR Limit: 40% (Banks), 50% (Non-bank)
Example: Income 50M KRW โ Annual payment limit 20M โ Monthly 1.66M
๐ How to Use DSR Calculator
- Enter your annual income (pre-tax)
- Enter monthly payments on existing loans
- Enter desired new loan amount and rate
- Check if DSR is below 40%
- Adjust loan amount if DSR exceeds 40%
๐ Monthly Payment Limits by Income (DSR 40%)
| Annual Income | Annual Payment | Monthly Limit | Est. Loan Limit (4%, 30yr) |
|---|---|---|---|
| $25K | $10K | $833 | ~$175K |
| $33K | $13.3K | $1.1K | ~$233K |
| $42K | $16.7K | $1.4K | ~$290K |
| $50K | $20K | $1.7K | ~$350K |
| $58K | $23.3K | $1.9K | ~$408K |
| $83K | $33.3K | $2.8K | ~$580K |
๐ก DSR Management Tips
- Paying off existing loans improves DSR
- Maximize income documentation (bonuses, allowances)
- Longer terms reduce monthly payments, improving DSR
- Non-bank lenders allow up to 50% DSR
- Jeonse loans excluded from DSR (no principal)
๐ Local Method & Assumption Guide
Formula Logic
Core formulas use public finance, loan, ratio, and unit conversion standards.
Source Scope
References follow publicly available standards and country-level common practices.
Assumptions
Taxes, fees, rates, and limits vary by region and institution.
Result Interpretation
Use this result as a baseline scenario. For decisions, compare with your lender quote and local tax treatment.
Locale Preset
Currency: USD
Units: imperial
Tax logic: US payroll estimate
Regulatory Note
This tool uses regional presets for estimation. Contract terms and legal limits may differ by lender, bank, or local law.
Recommended Next Actions
- Compare at least 2-3 local providers before final submission.
- Re-check fees, tax treatment, and prepayment clauses in writing.
- Run a stress scenario with +1-2% interest and lower income.
Before a real financial decision, confirm with local institution rules.