DSR Calculator (Korea Debt Service Ratio)
Check your Korean DSR (Debt Service Ratio) instantly. Enter income, existing debt payments, and new loan terms to see if you pass the 40%/50%/70% limit and the maximum principal available under the cap.
₩60,000,000
Annual: ₩3,600,000
₩300,000,000
DSR PASS — Loan likely approvable
Projected DSR: 34.6% / Limit: 40%
Monthly New Payment
1,432,246원
Total Monthly Payment
1,732,246원
Current DSR
6.0%
Projected DSR
34.6%
Max new loan principal within 40% DSR limit
₩356,084,109
Diagnosis
DSR 34.6% is within the 40% limit. You have 5.4%p of additional borrowing capacity.
DSR Gauge
DSR Comparison
• DSR = (Annual total debt repayment / Annual income) × 100
• New loan payment is calculated by annuity method (equal payment). Actual bank calculation may differ.
• 2026 Korean regulation: Primary banks 40%, Secondary finance 50%. Youth/newborn special programs may apply different limits.
• This calculator is for reference only. Consult your bank for actual loan approval decisions.
How to read the DSR Calculator (Korea Debt Service Ratio) result
DSR Calculator (Korea Debt Service Ratio) is most useful when it is treated as a quick decision aid, not as a standalone answer. Enter clean inputs, compare the result with a related tool, and keep the final decision tied to the real context behind the numbers or text.
Check the input first
A small typo, wrong unit, or missing condition can change the DSR Calculator (Korea Debt Service Ratio) output. Recheck the input before copying, saving, or sharing the result.
Compare one related signal
Use another MillionsCode tool or hub to confirm the same decision from a different angle. This reduces mistakes when the result affects money, health, publishing, or planning.
Keep the result reusable
If the result is something you will revisit, copy it into your notes with the date and the assumption you used. A saved result without its assumption is easy to misread later.
Use guides for edge cases
When the result feels close to a limit, read the related guide before acting. Calculators and browser tools are fast, but rules, fees, policies, and personal conditions can change the final answer.
Before you act on the result
Use this short checklist before treating the DSR Calculator (Korea Debt Service Ratio) result as final. It helps separate a quick browser calculation from a real decision that may affect money, publishing, travel, health, study, or work.
Is the result sensitive to one input?
If one value can change the answer heavily, run the tool twice with a conservative and an optimistic assumption. The difference between those two results is often more useful than a single exact number.
Does the result need a date?
Many decisions depend on the date of the calculation. Exchange rates, search demand, platform rules, fees, and personal conditions move over time, so save the date with the result when you plan to reuse it.
Can another tool confirm it?
When the result leads to a real action, open one related tool or guide and check whether the same direction still makes sense. This is especially important for finance, SEO, crypto, tax, health, and publishing decisions.
Is there a policy or local rule behind it?
A browser tool cannot know every local rule, bank condition, platform limit, or personal exception. If the result is close to a threshold, read the related guide before making the final call.
A practical next step
After using DSR Calculator (Korea Debt Service Ratio), write down the input, the output, and the action you are considering. If the action still looks useful after a second check, move to the related hub or guide and compare the broader context before you commit.
Frequently Asked Questions
Q. How is DSR calculated?
DSR = (sum of all annual loan repayments / annual income) × 100. New loans use the annuity method, and all debts count — mortgage, personal loan, student loan, auto installment — not only the home loan.
Q. What is the difference between the 40% and 50% caps?
Since 2022, Korea's DSR regulation applies to the entire financial industry: primary banks at 40%, secondary lenders (savings banks, insurers, card, capital) at 50%. Exceeding the cap blocks new loans.
Q. Who qualifies for the 70% special cap?
Youth/newlywed Special Bogeumjari, Didimdol, and similar policy-finance products allow up to 70% temporarily. Eligibility depends on age, income, and property price.
Q. What goes into existing annual debt payment?
Total annual principal + interest of every ongoing loan — mortgage × 12, personal loan, student loan, auto installment, card loan. Jeonse (key-money lease) loans are excluded.
Q. What if I exceed the DSR cap?
Four options: reduce the new loan amount, extend the term, refinance high-rate legacy debt, or add provable income (bonus, side income).
Q. Is a jeonse loan included in DSR?
No. Jeonse (key-money lease) loans are excluded from DSR. However, normal mortgages and personal loans all count.
How to Use
Use pre-tax annual salary. Include bonuses if they are part of your annual comp package.
Sum up monthly payments × 12 for all ongoing loans. Exclude jeonse (key-money lease) loans.
Principal, interest rate, and term of the loan you plan to take. The tool computes the annuity-method repayment automatically.
Choose primary bank / secondary / special. You will see the cap, pass-or-fail, and the maximum principal available under the cap.
Expert Knowledge: DSR Calculator (Korea Debt Service Ratio)
DSR (Debt Service Ratio) was introduced in 2018 and extended to Korea's entire financial industry in July 2022 as a macro-prudential tool against household debt. It divides total annual loan repayments by pre-tax annual income, with a 40% cap at primary banks and 50% at secondary lenders; exceeding the cap generally blocks new loans.
Korean household debt has passed 100% of GDP, and the stress-DSR regime (adding 0.75–1.5 percentage points of stress interest) tightens effective limits further. In 2026, stress-DSR expands fully to secondary lenders, cutting effective headroom by 15–25% for the same income and loan terms versus prior years.
Certain loans stay out of the DSR calculation: jeonse (key-money lease) loans, interim construction loans, relocation loans, small personal loans under KRW 3M, and public-policy micro-finance. Youth/newlywed special mortgages and Didimdol loans allow a 70% cap but also face parallel LTV/DTI caps, so the real loan ceiling is the intersection of all three regulations.
Related Tools
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