DSR Calculator

Debt Service Ratio Calculator (2025 Stress DSR policy in Korea)

What is DTI?

DTI (Debt-to-Income Ratio) is the percentage of your gross monthly income that goes toward paying all your monthly debt payments.

• Conventional loans: DTI up to 43-50%

• FHA loans: DTI up to 57%

• Stress DTI: Conservative calculation that accounts for potential interest rate increases

Lending Guidelines

Most lenders prefer a DTI ratio of 36% or lower, with no more than 28% of that debt going toward servicing a mortgage.

How to Use the Debt-to-Income Calculator

Calculate your maximum loan amount based on DTI (Debt-to-Income) ratio regulations.

1

Understanding DTI

DTI is the ratio of all loan payments to your annual income. This includes mortgage loans, personal loans, credit card loans, auto loans, and all other debt obligations.

2

Enter Basic Information

Accurately input your annual income, property location, and loan type. Special benefits may apply for first-time homebuyers or qualifying borrowers.

3

Set Loan Conditions

Enter your desired loan term, current market interest rates, and existing debt payments for accurate calculations.

4

Interpreting Results

The loan limit with stress DTI applied is for reference only. Actual mortgage loans are subject to additional criteria such as LTV and DTI requirements.

⚠️ Key Changes (2025)

  • Stress DTI Phase 3: 100% stress rate application from July 2025
  • Metropolitan Area Strengthening: 1.2% stress rate applied to Seoul metropolitan area mortgage loans
  • Regulated Areas: Additional regulations applied to Gangnam 4 districts
  • DTI Standards: Primary lenders 40%, secondary lenders 50% maintained
  • Preferential Conditions: First-time buyers LTV 80%, qualified borrowers DTI 60%

💡 Difference Between DTI and Mortgage Loans

  • DTI: Ratio of all debt payments (mortgage, personal loans, credit cards, etc.) to income
  • Mortgage Loans: Subject to additional criteria like LTV (Loan-to-Value) and DTI beyond the DTI calculation
  • Actual mortgage loan limits may be lower than DTI calculation results
  • This calculator is a reference tool that reflects DTI regulations only