DSR Calculator
Includes DTI. Enter all your loans to calculate DSR and DTI from total annual repayments, and reverse-calculate the maximum new mortgage amount reflecting stress DSR.
기본 정보
입력한 소득·대출 정보는 서버로 전송되지 않고 브라우저 안에서만 계산됩니다. 주소창에도 금액이 남지 않습니다.
보유 대출
1 / 10행DSR 판정
| 종류 | 잔액 | 금리 | 상환방식 | 연간 원리금 | DTI 산입액 |
|---|---|---|---|---|---|
| 주택담보대출 | 0원 | 4.5% | 원리금균등 | 0원 | 0원 |
| Total | 0원 | 0원 | |||
2026-07 current rules. Stress DSR stage 3. DSR = annual repayments / annual income. DTI = (mortgage repayments + other interest) / annual income.
이 계산기는 변동금리 기준입니다. 고정·혼합형·주기형 대출은 스트레스금리가 낮게 적용되어 실제 한도가 더 클 수 있습니다.
Revolving credit lines count the full approved limit as debt, even if only partially drawn.
만기일시·마이너스통장의 산정만기(기본 5년)는 확정 수치가 아닙니다. 금융회사·상품별로 다를 수 있어 직접 수정할 수 있게 두었습니다.
보증부 전세자금대출·정책서민금융 등은 DSR에서 빠지는 경우가 있습니다. 해당 대출 행의 ‘DSR에서 제외’를 체크하세요.
대출 승인 여부를 판정하는 도구가 아닙니다. 실제 한도는 은행 심사·담보 가치(LTV)·소득 인정 방식에 따라 달라집니다.
머니플(Moneyple)의 DSR 계산기는 연간 원리금 상환액 대비 연 소득 비율과 대출 한도를 역산한다.
What This Number Means
DSR(총부채원리금상환비율)은 모든 대출의 연간 원리금 상환액을 연 소득으로 나눈 비율이다. 이 비율이 규제 상한(40% 등)을 넘으면 신규 대출이 어려워진다.
3 Common Mistakes People Make Here
- DSR이 소득 대비 대출 원금의 비율이라고 생각한다 — 원금이 아니라 원리금(이자 포함) 상환액 기준이다.
- 기존 대출이 DSR에 영향을 주지 않는다고 생각한다 — 모든 금융기관의 대출 원리금이 합산된다.
- 스트레스 DSR을 모른다 — 금리 변동 위험을 반영해 가산금리를 더한 DSR이 적용된다.
What Changed in This Calculator in 2026
스트레스 DSR 적용 확대 — 금리 상승 시나리오를 반영한 DSR 산정이 의무화됐다.
DSR 40%란 연 소득 5,000만원이면 연간 대출 원리금 상환액이 2,000만원을 넘을 수 없다는 뜻이다.
머니플(Moneyple) · Formulas and rates verified by humans; commentary drafted with AI assistance and reviewed by the operator
How is DSR calculated?
DSR is the ratio of all your annual loan repayments (principal + interest) to your annual income. When applying for a new loan, banks use it to gauge how much of your income already goes toward debt. Under the Financial Services Commission's borrower-level DSR regulation, the threshold is 40% for banks and 50% for non-bank financial institutions. The key point is that the repayment method, not the loan type, determines the result. The same 100 million KRW repaid over 10 years has much higher annual payments than over 30 years.
DSR = Σ(annual repayment per loan) ÷ annual income
DTI = (mortgage annual repayment + other loans' annual interest only) ÷ annual income
Level payment annual = monthly payment × 12 (monthly = P×i(1+i)^n/((1+i)^n−1), i = rate÷12)
Equal principal = balance ÷ (remaining months÷12) + balance × rate (first-year basis)
Bullet/revolving credit = balance ÷ deemed maturity (years) + balance × rate
Example: A person with annual income of 50,000,000 KRW holds a mortgage of 100M KRW (6.0%, 120 months, level payment) and a personal loan of 30M KRW (5.0%, bullet). The mortgage monthly payment is about 1,110,205 KRW, so annual repayment is 13,322,460 KRW. The personal loan is bullet, so using a deemed maturity of 5 years: principal 6,000,000 + interest 1,500,000 = 7,500,000 KRW. The sum 20,822,460 KRW divided by income yields DSR of 41.64%, exceeding the bank threshold of 40% by 822,460 KRW per year. The same person's DTI is 29.64% because only interest is counted for the personal loan.
Note: The deemed maturity applied to bullet loans and revolving credit (default 5 years, 8 years for other loans) is not a fixed statutory figure and may vary by institution and product, so it is marked as [unverified] default and can be edited per row. Equal principal payments decline each year, but this calculator conservatively uses the highest first-year figure. Actual bank assessments apply additional rules per loan type.
How does stress DSR change my borrowing limit?
Stress DSR is a system that calculates your limit using a higher assumed rate (review rate) rather than the current rate. A higher review rate means the same repayment capacity supports less principal, effectively reducing your borrowing limit. Phase 3 is in effect with a 100% application ratio (FSC household debt management plan).
- Capital region / regulated areas: +1.5%p — A 4.0% loan would be assessed at 5.5%.
- Non-capital unregulated areas: +0.75%p — Phase 2 levels are extended until 2026-12-31, so limits are higher than in the capital region.
- Personal loans: stress rate applies only above 100M KRW in balance. Exactly 100M KRW is not subject to it.
- Based on variable rates. Fixed, hybrid and periodic-reset loans receive a lower stress rate, so actual limits exceed this calculator's result.
Example: Annual income 70M KRW, no existing loans, new mortgage at 4.0% for 30 years. At the bank threshold of 40%, available annual repayment is 28,000,000 KRW (monthly 2,333,333 KRW). The maximum principal this supports is 488,742,894 KRW without stress, 447,300,920 KRW for non-capital areas, and 410,950,781 KRW for the capital region. Stress DSR alone cuts 77,792,113 KRW in the capital region.
There are ultimately three ways to lower DSR: extend the repayment term to reduce annual payments, close unused revolving credit limits, or increase your income. This calculator only shows your position relative to the regulatory threshold and does not determine loan approval. Collateral value (LTV), income verification methods and bank-specific internal criteria are not reflected.
Frequently Asked Questions
Q. What is the difference between DSR and DTI?
Just one thing — whether principal is counted for non-mortgage loans. DSR (Debt Service Ratio) sums the annual principal + interest of ALL loans and divides by income. DTI (Debt-to-Income) counts principal + interest only for mortgages; for personal loans and revolving credit, only annual interest is counted. So if you have personal loans, DSR is always higher than DTI. In the default example (income 50,000,000 KRW, mortgage 100M at 6% 10yr level, personal loan 30M at 5% bullet), DSR is 41.64% while DTI is 29.64%. The difference of 6,000,000 KRW is exactly the personal loan's annual principal. The current regulatory focus is DSR; DTI serves as a supplementary indicator.
Q. How much does stress DSR reduce my borrowing limit?
Because the assessment assumes rates will rise, the limit shrinks by the amount implied by the higher rate. Phase 3 currently adds 1.5%p for capital/regulated areas and 0.75%p for non-capital unregulated areas (non-capital areas are granted a Phase 2 grace period until 2026-12-31). For income 70M KRW, no existing debt, new mortgage at 4.0% for 30 years: without stress the limit is 488,742,894 KRW, but applying the capital-region review rate of 5.5% reduces it to 410,950,781 KRW — a cut of about 77,792,113 KRW. The same conditions in a non-capital area yield 447,300,920 KRW, offering more room.
Q. Does an unused revolving credit line count toward DSR?
Yes, it does. For DSR purposes, a revolving credit line is treated at its full limit, not the amount actually drawn. Since you could draw up to the limit at any time, a 20-million-KRW line at 6% with a deemed maturity of 5 years adds 5.2 million KRW in annual repayment to DSR even if you haven't used a single won. On an income of 50 million KRW, that alone raises DSR by 10.4 percentage points. If you're planning a mortgage, closing or reducing unused revolving lines directly helps secure borrowing capacity.
Q. Can I not get a loan at all if DSR exceeds 40%?
Not necessarily. The 40% for banks and 50% for non-bank institutions are borrower-level regulatory thresholds; this calculator shows where you stand relative to those lines, not whether you'll be approved. The same loan may be available at non-bank institutions up to 50%, and policy-based loans or guaranteed jeonse loans may be excluded from DSR calculations. Conversely, even if DSR is within limits, collateral value (LTV) or income verification methods may prevent the desired amount. The most reliable ways to lower DSR are to extend the repayment term (reducing annual payments) or to close unused debt like revolving credit limits.
This calculator is for reference only. It shows your position relative to regulatory thresholds and does not determine loan approval; the results have no legal effect. Actual limits depend on bank assessment, collateral value (LTV), income verification methods and product-specific rules. The regulatory ratios (40%/50%) and the deemed maturity for bullet/revolving loans are marked as [unverified] figures pending primary-source confirmation; verify with your financial institution before proceeding.