DSR Calculator
Enter your income and debts to check eligibility
Your salary before EPF/tax deductions
Monthly Debt Payments
Usually 5% of outstanding balance
Enter to simulate refinance impact on DSR
Enter your monthly income to calculate your DSR
What is DSR (Debt Service Ratio)?
Simple Explanation
DSR measures how much of your income goes toward paying debts each month. Banks use this to determine if you can afford a new loan.
DSR = (Total Monthly Debt ÷ Monthly Income) × 100
Why Banks Use DSR
- Ensures you can afford loan repayments
- Leaves room for living expenses
- Reduces risk of default
- Required by Bank Negara guidelines
DSR Thresholds
DSR Requirements by Bank
| Bank | Max DSR (Employed) | Max DSR (Self-Employed) | |
|---|---|---|---|
| Maybank | 70% | 65% | View Rates → |
| Public Bank | 70% | 60% | View Rates → |
| CIMB | 70% | 65% | View Rates → |
| Hong Leong | 75% | 65% | View Rates → |
| RHB | 70% | 60% | View Rates → |
| AmBank | 70% | 65% | View Rates → |
* DSR limits are approximate and may vary based on individual credit profile and loan type. Hong Leong offers the highest DSR limit for employed applicants. See which banks have the best rates →
Not Sure if You Qualify?
Get a personalized assessment from our refinancing experts. We'll review your full financial picture.
How to Improve Your DSR
Pay Off Small Debts First
Clear credit cards and small personal loans. This quickly reduces your monthly commitments.
Consolidate High-Interest Debt
Roll multiple debts into your refinance at lower rates.Learn more →
Add a Co-Borrower
Adding a spouse or family member combines incomes, effectively lowering your DSR.
Choose Longer Tenure
Extending your loan tenure reduces monthly payments, improving DSR (though you'll pay more interest overall).
Document All Income
Include overtime, bonuses, rental income, and side income. Higher documented income = lower DSR.
Close Unused Credit Cards
Some banks count credit limit as potential debt. Closing unused cards can help.
Still worried about a high DSR? Read our detailed guide on how to refinance with high DSR.
DSR for Refinancing vs New Loan
Refinancing Often Improves Your DSR
When you refinance to a lower interest rate, your monthly payment decreases. This means your DSR goes down, potentially allowing you to qualify for additional financing or cash-out.
Example:
Before Refinance
Loan: RM500,000 @ 5%
Monthly: RM2,923
Income: RM10,000
DSR: 29.2%
After Refinance
Loan: RM500,000 @ 3.8%
Monthly: RM2,569
Income: RM10,000
DSR: 25.7% (3.5% lower!)
This 3.5% DSR reduction could allow for additional financing of up to RM350/month in new commitments.