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For example, Mr. Abu has a monthly installment payment of RM1,500 and a net income of RM3,000 per month. Mr. Abu's DSR or debt ratio is 50% (1500 / 3000). Why is Debt Service Ratio Ni Important? From this DSR, the bank can see how much of your income is used to pay off the loan. In other words, the bank wants to assess whether or not the borrower can repay the loan if it is given.


become a real estate agent Depending on the financial profile, colombia whatsapp fan banks have DSR limits for each borrower. If Mr. Abu in the example above had a DSR of 50% and the bank limited his maximum DSR to 50%, Mr. Abu would no longer be able to take out additional loans. What is my maximum DSR limit? Every borrower has a different financial profile. Therefore, banks set a maximum DSR limit depending on the individual's financial profile.


I can generally say: For individuals with a net income below RM3000, the bank's DSR limit is 60%. For individuals with a net income of more than RM3000, the bank's DSR limit is 70%. This is a rough estimate, not an exact one. Different banks have different maximum DSR limits. And some banks can provide a limit of up to 80% for those with high incomes.