Debt Service Ratio (DSR) Calculator

Check your loan eligibility with Malaysian bank DSR requirements

Income & Debt Details

Include salary, bonuses, rental income, business income

Combined minimum payments for all credit cards

Education loans, business loans, family loans, etc.

DSR Analysis

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Enter your income and debt details to calculate your DSR

Understanding Debt Service Ratio (DSR) in Malaysia

What is DSR?

DSR is the percentage of your gross monthly income used to service debt obligations. Malaysian banks use this to assess your loan repayment ability.

Bank Guidelines

Most Malaysian banks set DSR limits at 60-70%. Conservative banks may use 50%, while some may go up to 70% for high-income earners.

Improving Your DSR

Pay off high-interest debts first, avoid unnecessary loans, increase income through side businesses, or consider debt consolidation to reduce monthly commitments.