1%p lower3.5%
Estimated stress DSR
37.92%Money calculator
Korea Stress DSR Calculator
Enter annual income, new-loan terms, existing annual debt service and a stress-rate add-on to estimate DSR and headroom.
Korean terms on this page
Tap a term for a plain-English explanation.
총부채원리금상환비율(DSR)Debt-service ratio (DSR)＋
Annual principal and interest on all covered debt divided by annual income.
스트레스 금리Stress rate＋
An additional rate used to test repayment capacity against potential future interest-rate increases.
STEP 1
Enter your values
RESULT
41.95%Estimated stress DSR
Simplified current and stress DSR under the selected threshold.
DSR at current rate30.4%
New-loan debt service at stress rate₩25,171,722
Existing annual principal and interest₩0
Annual debt-service limit₩24,000,000
Annual headroom₩0
Actual DSR uses product-specific recognized maturity, principal conventions, exclusions, stress-rate application and lender underwriting.
WHAT IF
What changes when New loan interest rate changes?
Compare the main result without re-entering every field.
Current input4.5%
Estimated stress DSR
41.95%1%p higher5.5%
Estimated stress DSR
46.13%Input guide
What each value means
Annual income
Use the amount or value shown on the relevant contract, statement or record.
New loan amount
Use the amount or value shown on the relevant contract, statement or record.
New loan term
Use the amount or value shown on the relevant contract, statement or record.
New loan interest rate
Use the amount or value shown on the relevant contract, statement or record.
New-loan repayment method
Choose the option that matches the conditions you want to calculate.
Existing annual principal and interest
Enter one year of principal and interest payments for all existing debt.
Stress-rate add-on
The 3.0 percentage-point default is for comparison with 2026 Seoul-metro / regulated-area mortgages. Actual application varies.
DSR threshold to compare
Choose the option that matches the conditions you want to calculate.
How it works
Korea Stress DSR Calculator formula
DSR = annual principal and interest on all debt ÷ annual income × 100
Stress DSR recalculates the new-loan payment after adding the entered stress rate.
Example
Example calculation
Compare current and stressed debt service for a KRW 300m loan and existing debt against KRW 60m annual income.
- Standard
- Korea stage-three stress DSR; 40% bank / 50% non-bank comparison
- Last reviewed
- August 25, 2026
Standards and sources
Calculated from official or reliable reference material.
Questions
Korea Stress DSR Calculator FAQ
What should I enter in the Korea Stress DSR Calculator?
Enter the requested values and the result will update immediately. Review the formula, assumptions and exclusions below the result.
Is the result an official amount?
No. It is an estimate based on the entered conditions and stated assumptions. Confirm important tax, insurance, employment or financial decisions with the relevant institution or a qualified professional.
Are Korean rules used?
Yes. This calculator applies commonly applicable South Korean rules reviewed for 2026.
Related searchesKorea DSRstress DSRdebt service ratioKorean loan rules
Useful next steps