Annual Debt-Service Ratio Worksheet
Add existing and proposed monthly loan payments and compare their annual total with income. This cash-flow arithmetic does not derive lender-recognised income or product-specific repayment conventions.
- Runs in your browser
- Nothing is uploaded
- No signup; device limits apply
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How to use this tool
Enter annual income in KRW and each payment as a monthly amount on a consistent principal-and-interest basis. Putting monthly income into the annual-income field would distort the ratio substantially.
Results and examples
Read monthly payments × 12 ÷ annual income × 100. The 40/50 markers are not universal approval thresholds, and the worksheet does not apply stress rates or regulatory loan exclusions.
Worked example
KRW 50 million income with KRW 800,000 existing and KRW 500,000 proposed monthly payments gives 31.2%.
Limitations
- Current sector, borrower and stress-DSR rules still need review.
- The result does not determine approval, loan limits or regional eligibility.
Fields
| Field | Guidance and constraints |
|---|---|
| Annual income (KRW) | Check the unit and format displayed beside this field. |
| Existing loan monthly payment (KRW) | Check the unit and format displayed beside this field. |
| New loan monthly payment (KRW) | Check the unit and format displayed beside this field. |
Data handling
Processing stays in the current browser tab; the site does not upload tool input for the calculation itself.
Sources
Frequently asked questions
Can I enter monthly income?
No. Convert it to the appropriate annual amount first.
Why might my lender show another DSR?
Recognised income and repayment conventions can differ from this simple total.
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