Home DSR calculator
DSR calculator
Find the stress-DSR limit from income, price, and the debt you already pay.
Change income, price, existing payments, rate, or term and the limit updates at once. A regulated variable 4% loan for 360 months, income 60000000 and price 800000000, has a limit of 300615136.
Loan limit
300,615,136
300,615,136 · 7.00% · Income
- Stress rate
- 7.00%
- Income limit
- 300,615,136
- Collateral limit
- 320,000,000
- Price cap
- 600,000,000
What decided it Income
| Income limit | 300,615,136 |
|---|---|
| Collateral limit | 320,000,000 |
| Price cap | 600,000,000 |
Why this exists
This page works the home-loan limit backwards from the stress DSR. Yearly income times the ratio, minus principal and interest you already pay, is the room. The income limit is the principal whose level payment uses that room at the stress rate.
Through the end of 2026, regulated areas and the non-regulated capital add 3.00 percentage points in full on a variable rate. Local areas add 0.75. A bank uses 40% of income and another lender 50%. Jeonse and unsecured limits are not in here, and the figure is not a bank approval.
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01How to use it
A hybrid or a reset treats the fixed slice as five years, 60 months. Under 30% of the term, a hybrid keeps 80% of the add-on and a reset keeps 40%. From 30% up to but under 50%, those shares are 60% and 30%. From 50% up to but under 70%, they are 40% and 20%. At 70% or more fixed, the add-on is 0.
Local areas step the hybrid and the reset down one band. On a 30-year term with five years fixed, the local hybrid keeps 60% and the local reset 30%. A variable rate still takes the whole add-on, and the local add-on itself is 0.75 points.
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02What you get
The large figure is the limit. The four cells are the stress rate, the income limit, the collateral limit, and the price cap. The tinted row is the one that set the limit.
Regulated variable, Fixed rate, Existing 6000000, and First home jump to those cases. The buttons under each field move income, price, rate, and term.
EnteredRegulated variable 4%
Income limit 300615136 Collateral limit 320000000 Price cap 600000000 Limit 300615136 -
03Worth knowing
Collateral is 40% in a regulated area and 70% for a first home there. The non-regulated capital stays at 70% even for a first home. Local is 70%, or 80% for a first home. The price cap applies only in the capital and in regulated areas: 600000000 up to 1.5 billion, 400000000 above that through 2.5 billion, and 200000000 above that. Local areas have no price cap.
A longer term raises the income limit and leaves the collateral and the price cap where they are. If existing payments use the whole room, the income limit is 0. The result is a reading of the rule. The bank sets the real rate and the real limit.
Questions
- QIs this number an approval?
- ANo. The bank sets the limit and the rate. Jeonse and unsecured loans are not included.
- QWhy is the stress rate higher?
- AA variable rate assumes the rate can rise. A contract rate of 4% in a regulated area becomes a stress rate of 7.00%.
- QWhat does existing 6000000 change?
- AThat amount leaves the income room, so the income limit falls to 225461352.
- QWhich of the three remains?
- AThe smallest one remains. In the example the income limit 300615136 is under the collateral 320000000 and the price cap 600000000.
How this page works it out
A variable loan in a regulated area adds the full 3.00 percentage points to the contract rate. A bank turns the room, 40% of yearly income minus payments you already make, back into the principal whose level payment fits that room at the stress rate.
Income 60000000 and a price of 800000000 at a contract rate of 4% for 360 months give a stress rate of 7.00% and an income limit of 300615136. That is under the collateral limit 320000000 and the price cap 600000000, so the limit is 300615136. At a fixed rate the income limit is 418922481, but the collateral 320000000 remains, and existing yearly payments of 6000000 lower the income limit to 225461352.
A hybrid treats the fixed slice as 60 months and keeps 80%, 60%, or 40% of the add-on as that slice grows. A reset keeps 40%, 30%, or 20%. A local area adds only 0.75 points and steps those shares down one band. The figure is a reading of the rule. The bank sets the limit.