#dsr-calculator-pro {
background-color: #f9f9f9;
padding: 30px;
border-radius: 10px;
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen-Sans, Ubuntu, Cantarell, "Helvetica Neue", sans-serif;
color: #333;
max-width: 800px;
margin: 20px auto;
border: 1px solid #e1e1e1;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
}
.dsr-section {
background: #fff;
padding: 20px;
border-radius: 8px;
margin-bottom: 20px;
border: 1px solid #eee;
}
.dsr-section h3 {
margin-top: 0;
color: #2c3e50;
border-bottom: 2px solid #3498db;
padding-bottom: 10px;
font-size: 1.25rem;
}
.dsr-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 15px;
}
.dsr-input-group {
display: flex;
flex-direction: column;
}
.dsr-input-group label {
font-weight: 600;
margin-bottom: 5px;
font-size: 0.9rem;
}
.dsr-input-group input {
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 1rem;
}
.dsr-button-container {
text-align: center;
margin-top: 10px;
}
.calculate-btn {
background-color: #3498db;
color: white;
padding: 15px 40px;
border: none;
border-radius: 5px;
font-size: 1.1rem;
font-weight: bold;
cursor: pointer;
transition: background 0.3s;
}
.calculate-btn:hover {
background-color: #2980b9;
}
#dsr-result-display {
margin-top: 25px;
padding: 20px;
border-radius: 8px;
text-align: center;
display: none;
}
.result-value {
font-size: 2.5rem;
font-weight: 800;
display: block;
}
.result-status {
font-size: 1.2rem;
font-weight: 600;
margin-top: 10px;
}
.dsr-article {
line-height: 1.6;
margin-top: 40px;
}
.dsr-article h2 { color: #2c3e50; }
.dsr-table {
width: 100%;
border-collapse: collapse;
margin: 20px 0;
}
.dsr-table th, .dsr-table td {
border: 1px solid #ddd;
padding: 12px;
text-align: left;
}
.dsr-table th { background-color: #f2f2f2; }
@media (max-width: 600px) {
.dsr-grid { grid-template-columns: 1fr; }
}
Debt Service Ratio (DSR) Calculator
Use this tool to determine your loan eligibility based on bank standards.
1. Monthly Income
2. Monthly Debt Commitments
Your Estimated DSR is:
0%
function calculateDSR() {
var netIncome = parseFloat(document.getElementById('netIncome').value) || 0;
var otherIncome = parseFloat(document.getElementById('otherIncome').value) || 0;
var carLoan = parseFloat(document.getElementById('carLoan').value) || 0;
var housingLoan = parseFloat(document.getElementById('housingLoan').value) || 0;
var creditCard = parseFloat(document.getElementById('creditCard').value) || 0;
var personalLoan = parseFloat(document.getElementById('personalLoan').value) || 0;
var newLoan = parseFloat(document.getElementById('newLoan').value) || 0;
var totalIncome = netIncome + otherIncome;
var totalCommitments = carLoan + housingLoan + creditCard + personalLoan + newLoan;
var resultDisplay = document.getElementById('dsr-result-display');
var percentText = document.getElementById('dsr-percent');
var statusText = document.getElementById('dsr-status');
if (totalIncome <= 0) {
alert("Please enter a valid monthly income.");
return;
}
var dsr = (totalCommitments / totalIncome) * 100;
var formattedDsr = dsr.toFixed(2);
resultDisplay.style.display = "block";
percentText.innerText = formattedDsr + "%";
if (dsr 40 && dsr 60 && dsr <= 70) {
resultDisplay.style.backgroundColor = "#fff3e0";
statusText.innerText = "Warning. You are approaching the maximum limit for many banks.";
statusText.style.color = "#e65100";
} else {
resultDisplay.style.backgroundColor = "#ffebee";
statusText.innerText = "Critical. Your DSR is very high. Loan rejection is likely.";
statusText.style.color = "#c62828";
}
}
How to Calculate Your Debt Service Ratio (DSR)
The Debt Service Ratio (DSR) is a critical formula used by banks to determine whether you can afford to take on a new loan. Essentially, it measures your total monthly debt obligations against your net monthly income.
The DSR Formula
Calculating your DSR is straightforward once you have your financial numbers ready. The formula is:
DSR = (Total Monthly Commitments / Net Monthly Income) x 100%
Understanding the Components
- Net Monthly Income: This is your take-home pay after statutory deductions like EPF, SOCSO, and income tax (PCB). Banks usually do not look at your gross salary.
- Monthly Commitments: These include all existing bank loans (car, home, personal), student loans (like PTPTN), and the minimum monthly payment for credit cards (usually 5% of the outstanding balance).
- New Loan Installment: To see if you qualify for a new loan, you must include the estimated monthly installment of that new loan in your total commitments.
What is a "Good" DSR Rate?
While every bank has its own risk appetite, the general benchmarks are as follows:
| DSR Range | Loan Approval Probability |
|---|---|
| Below 40% | High probability of approval. You are considered a low-risk borrower. |
| 40% – 60% | Moderate. Most banks accept this, especially for middle-to-high income earners. |
| 60% – 70% | Risky. Requires a strong credit score and stable employment. |
| Above 70% | High risk of rejection. Your income is heavily stretched by debt. |
Practical Example
If your net salary is 5,000 and you have a car loan of 600 and a personal loan of 400, and you are applying for a home loan with a 1,500 monthly payment:
- Total Debt: 600 + 400 + 1,500 = 2,500
- Net Income: 5,000
- DSR: (2,500 / 5,000) x 100 = 50%
In this scenario, a DSR of 50% is generally healthy, and most banks would likely approve the home loan application, provided your credit history (CCRIS/CTOS) is clean.
Tips to Improve Your DSR
- Clear Small Debts: Pay off small personal loans or credit card balances to reduce your monthly commitments.
- Consolidate Debt: Use a debt consolidation loan with a longer tenure to lower the combined monthly payment.
- Declare All Income: Ensure you provide proof of side income, rental income, or fixed bonuses to increase your "Net Income" denominator.
- Joint Application: Apply with a spouse or family member to combine incomes and lower the overall DSR.