Know your DSR before the bank does.
The Debt Service Ratio calculator built for Malaysian borrowers. BNM-aligned thresholds, results in 10 seconds, and nothing ever leaves your browser.
Learn how DSR affects loan approval
Start with the calculator, then use these guides to understand BNM expectations, PTPTN, credit cards, and how Malaysian banks may assess your file.
Apa Itu DSR? Maksud Debt Service Ratio untuk Pinjaman di Malaysia
Panduan ringkas tentang maksud DSR, formula kiraan, komitmen yang perlu dimasukkan, dan kenapa bank di Malaysia melihat nisbah ini sebelum meluluskan pinjaman.
Cara Kira DSR: Formula, Contoh, dan Komitmen yang Perlu Dimasukkan
Langkah demi langkah cara kira DSR untuk pemohon pinjaman rumah, kereta, dan pinjaman peribadi di Malaysia.
Bank Negara DSR Limit 2026: What BNM Actually Sets for Borrowers
A practical explanation of BNM responsible financing expectations, why there is no single public DSR cap for every borrower, and how Malaysian banks use internal affordability rules.
How Banks Calculate DSR in Malaysia: Maybank, CIMB, Public Bank and Others
Why bank DSR calculations differ from online calculators, what documents banks use, and how to prepare before applying for a Malaysian loan.
Frequently asked questions
Quick answers about DSR, Malaysian banking thresholds, and how this tool works.
What is DSR (Debt Service Ratio)?
DSR is the percentage of your gross monthly income that goes toward servicing your debts. It's the headline metric Malaysian banks use to assess loan affordability under Bank Negara Malaysia (BNM) responsible-lending guidelines.
How is DSR calculated?
DSR = (Total monthly debt commitments ÷ Gross monthly income) × 100. Commitments include home loans, car loans, personal loans, PTPTN repayments, and the minimum monthly amount on credit cards.
What DSR do Malaysian banks accept?
Most Malaysian banks approve loans for applicants with DSR below 60–70%. BNM's responsible-lending policy treats DSR above 60% as elevated risk. A DSR below 35% is considered comfortably affordable; 35–50% is moderate; 50–70% is high and may need conditional approval; above 70% is typically declined.
Should I include my credit card debt in DSR?
Yes — include the monthly minimum payment, not the full outstanding balance. Banks typically estimate 5% of your outstanding credit card balance as your monthly commitment when assessing applications.
Does hutang.me save my financial data?
No. Every calculation runs locally in your browser. Nothing is sent to a server, stored, or shared.
Is this financial advice?
No. hutang.me is informational only. Real bank decisions also depend on factors like employment stability, age, existing banking relationships, and collateral. For decisions specific to your situation, consult a licensed financial planner.