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DSR calculator

Check your debt ratio before the bank does.

Use the repayment estimate with your income and commitments, then submit the case for a proper review.

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Calculator

Estimate DSR from income, commitments, and new loan payment.

Estimated DSR
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This DSR estimate uses existing monthly commitments plus the estimated new home loan payment, divided by monthly income.

Review

What to know before you apply.

Estimate debt service ratio for Malaysian home loan and refinance planning before submitting a bank application.

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Next step

Submit your details first.

We will follow up on WhatsApp with the same context after the form is submitted.

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Guide

Check your debt ratio before the bank does.

DSR is only one bank check

Banks can count income and commitments differently. A calculator helps you estimate, but document quality and bank policy still matter.

  • Include credit cards, car loan, personal loan, and existing mortgage.
  • Use net usable income, not optimistic income.
  • Ask for a case review before submitting repeatedly.
FAQ

Common questions.

Is high DSR an automatic rejection?

Not always, but it can make approval harder. The right route depends on income, commitments, property, and bank criteria.

Ready to check your home loan or refinance route?

Submit your details first so we can follow up on WhatsApp with the same context.

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