DSR Calculator

DSR (Debt Service Ratio) is the ratio of annual principal and interest repayments on all debts relative to annual income. It includes all financial liabilities and is stricter than DTI.

Stress DSR adds a premium rate to the current interest rate to account for potential future rate increases when calculating DSR. As of 2026, the premium rate is 0.75–1.5%p.

40% DSR is the general regulatory cap. Exceeding it may make additional loans difficult, but exceptions exist for low-income borrowers (50% cap), newlywed couples, and other special programs.

Yes. DSR includes principal and interest payments on all financial liabilities — mortgage loans, personal loans, card loans, student loans, auto installments, and more.

You can pay off existing loans, extend the loan term to reduce annual payments, or increase your income. Paying off high-interest loans like card loans first is the most effective approach.

Yes. As of 2026, both banks and second-tier financial institutions are subject to DSR regulations. However, second-tier institutions have slightly looser caps of 50–60% compared to banks (40%).

Jeonse (key money) loans, primary residential mortgage loans for low-income borrowers (50% DSR cap), policy mortgages (Bogeumjari, eligible loans), and pre-sale installment loans may be exempt or receive preferential treatment.