DSR Calculator

📊 DSR Calculator

Enter your income and loan details to calculate your DSR (Debt Service Ratio). The regulatory cap is 40% for banks and 50% for non-bank lenders.

Annual Income (10,000 KRW units, pre-tax)

Existing Loans' Total Annual Payment (10,000 KRW units)If you have other loans (credit loans, card loans, student loans, etc.), enter their combined annual principal+interest. Use 0 if none.

New Loan You're Applying For

Loan Principal (10,000 KRW units)

Loan Term (years)

Interest Rate (%)

Apply Stress DSR

Frequently Asked Questions

What's the difference between DSR and DTI?

DTI only counts mortgage principal+interest plus the interest portion of other loans. DSR counts principal+interest for nearly all loans (credit loans, card loans, student loans, etc.), making it a much stricter standard.

Why does Stress DSR exist?

Variable-rate loans can become harder to repay if rates rise later. Stress DSR accounts for this risk in advance by screening loans using a higher 'stress rate' instead of the current rate.