The DSR is meant to show how much of a person’s income is used to service debt instalments, and is represented as a percentage (%) of income. It is derived from 2 main components:
Total Commitment + New Application
Net income (after tax & EPF, Socso Deduction)
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.
Commitments are all borrowings a borrower has from any banks or creditors that will reflect on CCRIS report. If it doesn’t show on CCRIS report or payslip, you might able to omit this commitment.
All above income, preferably to be proof with documents from employer and bank statement.