{"id":5372,"date":"2024-07-22T02:56:13","date_gmt":"2024-07-22T02:56:13","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=5372"},"modified":"2024-07-22T02:58:25","modified_gmt":"2024-07-22T02:58:25","slug":"what-is-debt-service-ratio-dsr-how-it-calculates-your-financial-health","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/bm\/what-is-debt-service-ratio-dsr-how-it-calculates-your-financial-health\/","title":{"rendered":"What Is Debt-Service-Ratio (DSR) &#038; How It Calculates Your Financial Health"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5372\" class=\"elementor elementor-5372\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a0cd965 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"6a0cd965\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b27d7\" data-id=\"4b27d7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-242ca847 elementor-widget-laptop__width-initial xts-scheme-inherit xts-textalign-inherit elementor-widget elementor-widget-text-editor\" data-id=\"242ca847\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>[xts_html_block id=&#8221;3506&#8243;]<br \/>\t<div class=\"ibpo-articles xts-single-post-header\">\r\n\t\t<div class=\"xts-post-meta\">\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"xts-post-categories\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/bm\/category\/articles\/\" rel=\"category tag\">\n\t\t\t\t\t\tArticles\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/bm\/category\/articles\/personal-finance\/\" rel=\"category tag\">\n\t\t\t\t\t\tPersonal Finance\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"xts-post-date\">\n\t\t\t\t\t\t\t<time class=\"published\" datetime=\"2024-07-22T02:56:13+00:00\">\n\t\t\t\t\t22 Julai 2024\t\t\t\t<\/time>\n\t\t\t\t<time class=\"updated\" datetime=\"2024-07-22T02:58:25+00:00\">\n\t\t\t\t\t22 Julai 2024\t\t\t\t<\/time>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\r\n\r\n\t<\/div>\r\n\r\n\t\t\t<h1 class=\"ibpo-articles xts-post-title xts-entities-title\">\r\n\t\t\t\tWhat Is Debt-Service-Ratio (DSR) &#038; How It Calculates Your Financial Health\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n\u00a0<\/p><p><span style=\"font-weight: 400;\">Your DSR score basically tells you if your income is enough to cover your commitments such as your credit card bills, car loans and personal loans.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">A method used by banks, it helps the bank to estimate how much you can afford to pay your monthly loan installments and debts.\u00a0<\/span><\/p><p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-5391 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-2-2.png\" alt=\"\" width=\"2400\" height=\"1260\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-2-2.png 2400w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-2-2-300x158.png 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-2-2-1024x538.png 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-2-2-768x403.png 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-2-2-1536x806.png 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-2-2-2048x1075.png 2048w\" sizes=\"(max-width: 2400px) 100vw, 2400px\" \/><\/p><p><span style=\"font-weight: 400;\">If you are planning to purchase a property or car, the banks will take into consideration all of your current loans and other debts, and whether you can afford the loan repayments.<\/span><\/p><h3><b>What\u2019s a good Debt-Service-Ratio?\u00a0<\/b><\/h3><p><span style=\"font-weight: 400;\">The lower your DSR score, the better your financial health is! A low DSR score indicates that you will be able to pay your monthly installments on time.\u00a0<\/span><\/p><div id=\"attachment_5385\" style=\"width: 2410px\" class=\"wp-caption alignnone\"><img decoding=\"async\" aria-describedby=\"caption-attachment-5385\" class=\"wp-image-5385 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-3.png\" alt=\"\" width=\"2400\" height=\"1182\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-3.png 2400w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-3-300x148.png 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-3-1024x504.png 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-3-768x378.png 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-3-1536x756.png 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-3-2048x1009.png 2048w\" sizes=\"(max-width: 2400px) 100vw, 2400px\" \/><p id=\"caption-attachment-5385\" class=\"wp-caption-text\">Debt-Service-Ratio (DSR) Score Level<\/p><\/div><p><span style=\"font-weight: 400;\">The general rule of thumb is to maintain your DSR within the 30-40% range. While some banks may approve loans for individuals with a DSR above 40%, approval is less certain and may come with higher interest rates or stricter terms. Refer to the meter score above to see each percentage range and its corresponding financial health level.<\/span><\/p><h3><b>What to include when calculating Debt-Service-Ratio?\u00a0<\/b><\/h3><p><span style=\"font-weight: 400;\">Firstly, to calculate your DSR score, you should take into account your bank debts and non-bank loans.\u00a0<\/span><\/p><table><tbody><tr><td><p><b>Bank Debts<\/b><\/p><\/td><td><p><b>Non-Bank Debts\u00a0<\/b><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Car loans\u00a0<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Educational loans\u00a0<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Housing loans\u00a0<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Leases<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Personal loans\u00a0<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Pawn\u00a0<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Credit card bills\u00a0<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Payment installments from non-bank institutions like AEON Credit, FlexiPlans and others.\u00a0<\/span><\/p><\/td><\/tr><\/tbody><\/table><h3><b>Debt-Service-Ratio Formula: How to Calculate<\/b><\/h3><p><span style=\"font-weight: 400;\">Once you have identified your debts and financial commitments, you can use the formula below to calculate your DSR.\u00a0<\/span><\/p><p><img decoding=\"async\" class=\"alignnone wp-image-5384 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-4.png\" alt=\"\" width=\"2400\" height=\"660\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-4.png 2400w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-4-300x83.png 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-4-1024x282.png 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-4-768x211.png 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-4-1536x422.png 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-4-2048x563.png 2048w\" sizes=\"(max-width: 2400px) 100vw, 2400px\" \/><\/p><div><p><span style=\"font-weight: 400;\">Total Monthly Commitments \/ Net Monthly Income x 100% = Debt Service Ratio<\/span><\/p><p><i><span style=\"font-weight: 400;\">Note: Your net monthly income is after deducting your EPF, SOCSO, taxes and others.<\/span><\/i><\/p><p><span style=\"font-weight: 400;\">Here\u2019s an example:\u00a0<\/span><\/p><table><tbody><tr><td><p><strong>Net Monthly Income\u00a0<\/strong><\/p><\/td><td><p><b>RM10,000<\/b><\/p><\/td><\/tr><tr><td><p><strong>Total Monthly Commitment\u00a0<\/strong><\/p><\/td><td><p><span style=\"font-weight: 400;\">RM1,500 (personal loans) + RM600 (car loan) + RM1,000 (credit card) + RM150 (PTPTN) =\u00a0<\/span><\/p><p><b>RM3,250<\/b><\/p><\/td><\/tr><tr><td><p><strong>Debt-Service-Ratio<\/strong><\/p><\/td><td><p><span style=\"font-weight: 400;\">RM3,250 \/ RM10,000 x 100 =\u00a0<\/span><\/p><p><b>32%\u00a0<\/b><\/p><\/td><\/tr><\/tbody><\/table><\/div><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Based on the calculations, it shows that the DSR Score is at a good level, which is at 32%!\u00a0<\/span><\/p><h3><b>Check your financial health with the ANIKA Chatbot<\/b><\/h3><p><span style=\"font-weight: 400;\">While the formula above can help you calculate your DSR, it may not accurately reflect your actual DSR as shown in your CCRIS report.<\/span><\/p><p><a href=\"https:\/\/chat.ibpo.com.my\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-5383 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-5.png\" alt=\"\" width=\"2400\" height=\"1181\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-5.png 2400w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-5-300x148.png 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-5-1024x504.png 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-5-768x378.png 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-5-1536x756.png 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-5-2048x1008.png 2048w\" sizes=\"(max-width: 2400px) 100vw, 2400px\" \/><\/a><\/p><p><span style=\"font-weight: 400;\">ANIKA is the 1st AI-Powered Virtual Consultant Chabot in Malaysia that can help you improve your finances. Equipped with eKYC (aka electronic Know Your Customer), she\u2019s able to provide you with an accurate score of your DSR &#8211; simply by scanning your MyKad and doing a Face ID verification.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">As we are integrated with our trusted official credit reporting agencies such as Experian and Credit Bureau Malaysia, the results will be based on your CCRIS Report, which is a list of all your financing and repayment history over the past 12 months.\u00a0<\/span><\/p><p><a href=\"https:\/\/chat.ibpo.com.my\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-5382 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1.png\" alt=\"\" width=\"2400\" height=\"521\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1.png 2400w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1-300x65.png 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1-1024x222.png 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1-768x167.png 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1-1536x333.png 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-6-1-2048x445.png 2048w\" sizes=\"(max-width: 2400px) 100vw, 2400px\" \/><\/a><\/p><p><span style=\"font-weight: 400;\">Knowing your DSR score might reveal some harsh realities, but understanding your financial standing is the first step towards improvement.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">We offer <\/span><a href=\"https:\/\/chat.ibpo.com.my\/\"><b>FREE<\/b> <\/a><span style=\"font-weight: 400;\">consultations to help you. Click <\/span><a href=\"https:\/\/chat.ibpo.com.my\/\"><b>HERE<\/b> <\/a><span style=\"font-weight: 400;\">to book an appointment on the ANIKA chatbot.<\/span><\/p><h3><strong>Tips to Improve Your DSR Score<\/strong><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay off your debts as much as you can.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Don\u2019t maximise your credit card spend.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep records of your steady income and non-bank repayments as proof that it\u2019s consistent.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Start saving more. You can use this as a supporting document to strengthen your loan application if your DSR is high.\u00a0<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">At IBPO, our purpose is clear &#8211; <\/span><b>together, let&#8217;s enhance financial literacy among Malaysians<\/b><span style=\"font-weight: 400;\">. We are dedicated to empowering individuals with the knowledge and financial tools they need to make informed decisions, achieve their financial aspirations, and live better lives.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a3ada20 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"a3ada20\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aa88632\" data-id=\"aa88632\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>[xts_html_block id=&#8221;3506&#8243;] Your DSR score basically tells you if your income is enough to cover your commitments such as your credit card bills, car loans and personal loans. A method used by banks, it helps the bank to estimate how much you can afford to pay your monthly loan installments and debts. If you are [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5386,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,73],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Debt-Service-Ratio (DSR) &amp; How It Calculates Your Financial Health - IBPO<\/title>\n<meta name=\"description\" content=\"Your DSR score indicates if your income is enough to cover your commitments such as your credit card bills, car loans and personal loans.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ibpo.com.my\/bm\/what-is-debt-service-ratio-dsr-how-it-calculates-your-financial-health\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Debt-Service-Ratio (DSR) &amp; 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