Your financial standing is a key factor in securing your family’s stability and future.

The Debt Burden Ratio (DBR) Calculator helps you assess your current financial position and borrowing capacity. Through four simple steps, you can determine whether your financial situation is suitable to help you choose the right home and obtain additional financing, if needed.

Step 1 - Input below your monthly income
Step 2 - Input below your monthly obligations / debt payments to arrive at the 'Debt Ratio.
Step 3 - Choose below if you're 'salaried' or 'pensioner'
Step 4 - Calculate & obtain results

Based on the Central Bank’s requirements, your Debt Burden Ratio (DBR) must not exceed 60% if you are salaried, and 40% if you are a pensioner, Including the housing loan.

If your DBR falls within the specified range, your financial position is considered within the acceptable limits. If your DBR exceeds the specified threshold, we recommend reviewing and managing your financial obligations and improving your financial standing to avoid any potential obstacles when activating your housing loan or applying for additional financing from national banks.

Disclaimer - Please note that the loan assessment may consider additional criteria & DBR is one of such criteria only.