DSR Calculator
Calculate your Debt Service Ratio (DSR) based on 2026 standards
to check your loan limit.
Income & Debt Info
Include all income (salary, business, etc.)
Credit loans, car installments, etc.
💡 DSR Rules (2026)
- • General: DSR 40% or less
- • High Income (>100M): DSR 50% or less
- • Seoul >900M: DSR 40% (Strict)
Please enter your info
We will check your DSR and loan eligibility.
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| Item | Amount |
|---|---|
| Existing Monthly Payment | 0 KRW |
| New Monthly Payment | 0 KRW |
| Total Monthly Payment | 0 KRW |
DSR Calculation Guide
What is DSR?
Debt Service Ratio is the ratio of your total annual debt payments (principal + interest) to your annual income. It includes all debts such as mortgages, credit loans, car loans, and card loans.
DSR Limits (2026)
Applies to borrowers with total debt exceeding 100 million KRW.
- Banks (1st Tier): DSR 40% or less
- Non-Banks (Insurance/Card): DSR 50% or less
* Stress DSR: Future interest rate risks are reflected, potentially reducing loan limits further.
Frequently Asked Questions
Q. What is DSR?
Total Debt Service Ratio (DSR) is the percentage of your annual income that goes towards paying all your debts. Generally, it should be 40% or less.
Q. Difference between DSR and DTI?
DTI mainly focuses on mortgage debt, while DSR includes credit loans, car loans, and all other debts. DSR is stricter.
Q. What if DSR exceeds 40%?
Loans are typically rejected in Tier 1 banks. Tier 2 banks or high-income earners (>100M KRW) may have a 50% limit.
Q. How to lower DSR?
Pay off existing high-interest debts, prove higher income, OR extend the loan term to reduce monthly payments.
Need Deeper Guides?
Explore the 2026 Korea Life & Finance Roadmap on KR Insider . From visa updates to tax-saving strategies, we have you covered.
FAQ
Quick answers to common questions.
What is DSR?
Total Debt Service Ratio (DSR) is the percentage of your annual income that goes towards paying all your debts. Generally, it should be 40% or less.
Difference between DSR and DTI?
DTI mainly focuses on mortgage debt, while DSR includes credit loans, car loans, and all other debts. DSR is stricter.
What if DSR exceeds 40%?
Loans are typically rejected in Tier 1 banks. Tier 2 banks or high-income earners (>100M KRW) may have a 50% limit.
How to lower DSR?
Pay off existing high-interest debts, prove higher income, OR extend the loan term to reduce monthly payments.