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DSR Calculator

Check if you can afford a new loan based on your Debt Service Ratio

Your Financial Details
RM 8,000
RM 1,500

Include: Car loans, personal loans, credit cards, PTPTN, other mortgages

RM 2,000

What is DSR?

Debt Service Ratio (DSR) is the percentage of your income that goes toward paying debts. Banks typically require DSR to be below 70% for loan approval.

Tips to improve your DSR:

  • Pay off existing loans to reduce commitments
  • Increase your income (show bonus, allowances)
  • Apply jointly with a spouse to combine income
  • Extend the loan tenure to lower monthly payments