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
152๋ง์
Total Payment
5.5์ต์
Total Interest
2.5์ต์
82.4% of principal
๐ Principal vs Interest
Principal
3.0์ต์
Interest
2.5์ต์
๐ Payment Schedule
| Year | Annual Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 18,240,671์ | 4,839,680์ | 13,400,991์ | 3.0์ต์ |
| 2 | 18,240,671์ | 5,062,014์ | 13,178,657์ | 2.9์ต์ |
| 3 | 18,240,671์ | 5,294,562์ | 12,946,109์ | 2.8์ต์ |
| 4 | 18,240,671์ | 5,537,793์ | 12,702,878์ | 2.8์ต์ |
| 5 | 18,240,671์ | 5,792,199์ | 12,448,472์ | 2.7์ต์ |
| 6 | 18,240,671์ | 6,058,291์ | 12,182,380์ | 2.7์ต์ |
| 7 | 18,240,671์ | 6,336,608์ | 11,904,063์ | 2.6์ต์ |
| 8 | 18,240,671์ | 6,627,711์ | 11,612,960์ | 2.5์ต์ |
| 9 | 18,240,671์ | 6,932,187์ | 11,308,484์ | 2.5์ต์ |
| 10 | 18,240,671์ | 7,250,650์ | 10,990,021์ | 2.4์ต์ |
| ... Total 30 years | ||||
๐ฐ Interest Rate Comparison
| Rate | Monthly | Total Interest | Difference |
|---|---|---|---|
| 3.5% | 1,347,134์ | 1.8์ต์ | -62,251,872์ |
| 4.0% | 1,432,246์ | 2.2์ต์ | -31,611,616์ |
| 4.5% | 1,520,056์ | 2.5์ต์ | +0์ |
| 5.0% | 1,610,465์ | 2.8์ต์ | +3255๋ง์ |
| 5.5% | 1,703,367์ | 3.1์ต์ | +6599๋ง์ |
Mortgage Calculation Result
Monthly 152๋ง์
โจ Total interest 2.5์ต์Loan 3.0์ต์, 4.5% rate, 30 years
๐ก Figure it out together
Better when calculated together
#MortgageCalculator #HomeLoan #InterestRate
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 Panduan perhitungan lokal
Logika rumus
Menggunakan rumus publik untuk keuangan, pinjaman, rasio, dan konversi satuan.
Cakupan sumber
Mengacu pada standar publik dan praktik umum per negara.
Asumsi
Pajak, biaya, suku bunga, dan batas berbeda antar wilayah/lembaga.
Result Interpretation
Gunakan hasil ini sebagai skenario dasar. Sebelum memutuskan, bandingkan dengan penawaran nyata dan aturan pajak lokal.
Preset lokal
Mata uang: IDR
Satuan: metric
Model pajak: US payroll estimate
Catatan regulasi
Alat ini memakai preset regional untuk estimasi. Syarat nyata dan batas hukum dapat berbeda menurut lembaga dan aturan lokal.
Aksi yang disarankan
- Bandingkan minimal 2-3 penyedia lokal sebelum final.
- Cek ulang biaya, pajak, dan klausul pelunasan dipercepat secara tertulis.
- Uji skenario stres dengan bunga +1-2% dan pendapatan turun.
Sebelum keputusan nyata, pastikan aturan terbaru di lembaga setempat.