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发表于 30-8-2016 03:34 PM
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Housing Loan / Car Loan 会看你的DSR。。。
DSR的计算包含Personal Loan。。。
DSR 的解释如下：
Debt Servicing Ratio
The DSR is shows how much of a person’s income is used to service debt installments, and is represented as a % of income. It is derived from 2 main components:
DSR = Commitment / Income
Between different banks, there can be major differences in the final DSR amount that is calculated. This is because every bank has their respective calculation methods for income and commitment recognition.
Example 1: Standard Chartered Bank may base their calculations on Gross Income, while RHB and Maybank may base it on Net Income.
Example 2: CIMB and HSBC may recognize 100% of rental income, while Public bank and OCBC may only recognize only 80%.
Example 3: RHB recognizes only 45% of foreign derived income, while Hong Leong considers 100% of it
It is not unheard of that when different banks calculate the DSR for the same person, there can be DSR differences of up to 20%! But the differences do not stop there.
Once the DSR has been determined, every bank will have their respective guidelines for max allowable DSR threshold. It is typically determined by income level, but may also be affected by net worth and even things as arbitrary as qualifications and age. Some example bank guidelines:
Income Bank A Max allowable DSR Bank B Max allowable DSR
< RM3000 60% of Net Income 60% of Net Income (+10% if professional)
< RM6000 70% of Net Income 70% of Net Income (+10% if professional)
< RM10,000 75% of Net Income 80% of Net Income (+10% if professional)
> RM10,000 80% of Net Income 90% of Net Income (+10% if professional)
更多详情可以查看： https://loanstreet.com.my/learni ... borrow-based-on-dsr
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