Automatic DSR
Sums the yearly repayment of all loans against annual income.
Finance Tool
DSR 总负债偿还比率计算机
计算年收入对比总负债本息偿还比率（DSR），提前了解住房贷款和信用贷款限额。
대출 정보 입력
6000만원
30000만원
나의 DSR 지수
0.0%
DSR 40% 기준 대출 가능 최대 금액0원
✅ 규제 한도 내에 있습니다. 안정적인 대출 실행이 가능합니다.
* 위 계산 결과는 참고용이며 실제 은행의 심사 기준과 다를 수 있습니다. (스트레스 DSR 미반영)
What is the DSR calculator?
Debt Service Ratio (DSR) is the share of your annual income spent on the yearly principal-and-interest of all loans. This tool helps you estimate your borrowing capacity.
How to use
- 1 Enter your annual income.
- 2 Enter the annual principal-and-interest of existing loans.
- 3 Enter the new loan terms.
- 4 Review your DSR and the headroom against the 40%/50% caps.
Highlights
Regulatory caps
Compares against the 40% (banks) and 50% (non-banks) limits.
Capacity estimate
See whether a new loan is likely to be approved.
常见问题
What is DSR?+
It is the ratio of all loans' annual principal-and-interest to your annual income — a key metric lenders use to set limits.
What is the DSR cap?+
Typically 40% for banks and 50% for non-banks, varying by loan type and regulation.
How do I lower my DSR?+
Repay existing loans, extend maturity to reduce yearly payments, or increase income.
Related calculators
This calculator is for reference only. Actual DSR depends on each lender's rules, preferential terms, and maturity. Confirm your limit with the lender.