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.
📊 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.
🏠 Mortgage Calculator
Monthly Payment
152만원
Total Payment
5.5억원
Total Interest
2.5억원
82.4% of principal
📊 Principal vs Interest
Principal
3.0억원
Interest
2.5억원
📅 Payment Schedule
| Year | Annual Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 18,240,671원 | 4,839,680원 | 13,400,991원 | 3.0억원 |
| 2 | 18,240,671원 | 5,062,014원 | 13,178,657원 | 2.9억원 |
| 3 | 18,240,671원 | 5,294,562원 | 12,946,109원 | 2.8억원 |
| 4 | 18,240,671원 | 5,537,793원 | 12,702,878원 | 2.8억원 |
| 5 | 18,240,671원 | 5,792,199원 | 12,448,472원 | 2.7억원 |
| 6 | 18,240,671원 | 6,058,291원 | 12,182,380원 | 2.7억원 |
| 7 | 18,240,671원 | 6,336,608원 | 11,904,063원 | 2.6억원 |
| 8 | 18,240,671원 | 6,627,711원 | 11,612,960원 | 2.5억원 |
| 9 | 18,240,671원 | 6,932,187원 | 11,308,484원 | 2.5억원 |
| 10 | 18,240,671원 | 7,250,650원 | 10,990,021원 | 2.4억원 |
| ... Total 30 years | ||||
💰 Interest Rate Comparison
| Rate | Monthly | Total Interest | Difference |
|---|---|---|---|
| 3.5% | 1,347,134원 | 1.8억원 | -62,251,872원 |
| 4.0% | 1,432,246원 | 2.2억원 | -31,611,616원 |
| 4.5% | 1,520,056원 | 2.5억원 | +0원 |
| 5.0% | 1,610,465원 | 2.8억원 | +3255만원 |
| 5.5% | 1,703,367원 | 3.1억원 | +6599만원 |
Mortgage Calculation Result
Monthly 152만원
✨ Total interest 2.5억원Loan 3.0억원, 4.5% rate, 30 years
💡 Figure it out together
Better when calculated together
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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.
📐 DSR Formula
DSR(%) = (Annual P&I Payments on All Loans ÷ Annual Income) × 100
DSR Limit: 40% (Banks), 50% (Non-bank)
Example: Income 50M KRW → Annual payment limit 20M → Monthly 1.66M
📝 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%
📊 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 |
💡 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)
📚 各地区计算规则说明
计算逻辑
采用公开的金融、贷款、比率与单位换算标准公式。
参考范围
参考公开标准与各地区常见实务规则。
前提条件
税费、费率、上限会因地区和机构而不同。
结果解读
结果可作为基准情景。正式决策前请与当地机构报价和税务规则对比。
地区默认值
货币: CNY
单位: metric
税务模型: US payroll estimate
法规提示
本工具基于地区预设进行估算。实际合同条款与法定上限可能因机构和当地法规而不同。
建议操作
- 正式申请前请至少比较 2~3 家本地机构方案。
- 再次核对费用、税务处理和提前还款条款。
- 用利率 +1~2% 与收入下降场景再测一次。
做真实决策前，请先确认当地机构的最新条款。