What is DSR?
DSR (debt service ratio) = annual principal & interest on all loans ÷ annual income × 100
When granting a new loan, lenders cap DSR at a certain ratio. Generally the limit is 40% for banks and 50% for non-bank lenders.
Stress DSR
To reflect the risk of rising rates, a set rate (the stress rate) is added to the actual rate when calculating payments for DSR. The add-on varies by loan type and period, so you can enter it yourself in the calculator.
Payment calculation by loan type (simplified)
- Mortgage: principal and interest by actual term and repayment method
- Credit loans · overdraft: balance treated as repaid over a set period (e.g. 5 years)
- Jeonse loans: usually interest only
This calculator gives estimates based on published laws and criteria and is not legal advice. Before acting, be sure to check with the official agencies below.