How to calculate bank loan repayment ratio
In today's economic environment, the demand for loans from individuals and businesses is growing day by day, and the bank's Debt Service Ratio (DSR), as an important indicator of repayment ability, has attracted much attention. This article will introduce in detail the calculation method of bank loan repayment ratio, and combine it with hot topics and hot content in the past 10 days to help readers better understand this concept.
1. What is bank loan repayment ratio?
The bank loan repayment ratio refers to the ratio of the borrower's monthly repayment amount to his monthly income, and is usually used to evaluate the borrower's repayment ability. Banks use this ratio to determine whether a borrower has enough income to cover loan repayments, thereby reducing the risk of loan default.
2. Calculation formula of bank loan repayment ratio
The formula for calculating bank loan repayment ratio is as follows:
| project | formula |
|---|---|
| Bank loan repayment ratio (DSR) | (Monthly repayment amount / monthly income) × 100% |
For example, if the borrower's monthly repayment amount is 5,000 yuan and the monthly income is 20,000 yuan, the bank's loan repayment ratio is:
| Monthly repayment amount | monthly income | Bank loan repayment ratio |
|---|---|---|
| 5,000 yuan | 20,000 yuan | (5000 / 20000) × 100% = 25% |
3. Reasonable range of bank loan repayment ratio
Different banks have different requirements for loan repayment ratios, but they are generally considered to be:
| Loan repayment ratio range | risk level | illustrate |
|---|---|---|
| ≤30% | low risk | Borrowers have less repayment pressure and the bank approval rate is high |
| 30%-50% | medium risk | The borrower's repayment ability is acceptable, but other liabilities need to be carefully evaluated |
| ≥50% | high risk | The borrower is under great repayment pressure and the bank may reject the loan application |
4. The relationship between hot topics in the past 10 days and bank loan repayment ratio
1.Mortgage interest rates cut: Mortgage interest rates have been lowered in many places recently, triggering a home buying boom. The calculation of bank loan repayment ratio is particularly important. Borrowers need to evaluate whether their income can cover the repayment.
2.Loan policies for small and micro enterprises relaxed: In order to support the development of small and micro enterprises, banks have relaxed loan conditions, but the loan repayment ratio is still one of the core audit indicators.
3.Personal credit system upgrade: The improvement of the credit reporting system has made banks pay more attention to the repayment ability of borrowers, and the loan repayment ratio has become a key data.
5. How to optimize bank loan repayment ratio?
1.increase income: Increase monthly income and reduce loan repayment ratio through part-time job or upgrading professional skills.
2.Extend loan term: Choose a longer repayment term and reduce the monthly repayment amount.
3.Reduce other liabilities: Repay other loans in advance to reduce overall debt levels.
6. Summary
The bank's loan repayment ratio is an important indicator to measure the borrower's repayment ability. Reasonable control of the loan repayment ratio can help improve the loan approval rate. In the current economic environment, borrowers should pay close attention to their financial situation and plan their loans and repayments reasonably.
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