Include salary, bonuses, rental income, business income
Combined minimum payments for all credit cards
Education loans, business loans, family loans, etc.
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Enter your income and debt details to calculate your DSR
DSR is the percentage of your gross monthly income used to service debt obligations. Malaysian banks use this to assess your loan repayment ability.
Most Malaysian banks set DSR limits at 60-70%. Conservative banks may use 50%, while some may go up to 70% for high-income earners.
Pay off high-interest debts first, avoid unnecessary loans, increase income through side businesses, or consider debt consolidation to reduce monthly commitments.