Know your DSR before the bank does.
The Debt Service Ratio calculator built for Malaysian borrowers. Practical bank reference bands, results in 10 seconds, and nothing ever leaves your browser.
Not a lender
hutang.me does not provide loans, collect applications, or ask for IC numbers, OTPs, bank logins, or payment. Inputs stay in your browser and are remembered locally until you reset them or clear browser data.
Learn how DSR affects loan approval
Start with the calculator, then use these guides to understand PTPTN, credit cards, responsible-financing context, and how Malaysian banks may assess your file.
What Is DSR? Debt Service Ratio Explained for Malaysian Borrowers
A plain-English guide to DSR — the formula, what counts as a commitment, and why Malaysian banks look at this ratio before approving any loan.
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How to Calculate DSR: Formula, Examples, and What Counts as a Commitment
A step-by-step guide to calculating DSR for housing loan, car loan, and personal loan applicants in Malaysia.
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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.
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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.
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Frequently asked questions
Quick answers about DSR, Malaysian bank reference ranges, and how this tool works.
What is DSR (Debt Service Ratio)?
DSR is the percentage of your monthly income that goes toward servicing your debts. It's one of the main metrics Malaysian banks use to assess loan affordability.
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?
There is no single BNM DSR cap for every borrower. Banks use their own affordability rules; as a planning reference, below 60% is usually easier, 60–70% is already high, and above 70% is often difficult unless the rest of the file is strong.
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?
Your calculator inputs are remembered in this browser using local storage so you can return to them. They are never sent to hutang.me or shared with a lender; use Reset or clear browser data to remove them.
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.