DSR/DTI 대출 가능 한도 계산기

DSR(총부채원리금상환비율) 한도를 기준으로 새 대출의 가능 금액과 월 상환액을 계산합니다. 거치기간을 설정하면 초기엔 이자만 납부 후, 이후 원리금균등으로 전환되는 스케줄을 제공합니다. (참고용)

예시 불러오기

기본 입력

연소득(원)

기존 월 상환 합계(원)

연 금리(%)

기간(년)

거치기간(년)

허용 DSR(%)

요약

월 소득

5,000,000 원

DSR 한도 내 사용 가능 몫(월)

1,500,000 원

기존 월 상환 합계

500,000 원

※ 보수적으로 거치 이후 월 상환액 기준으로 DSR을 판단합니다. (기관마다 산정 방식이 다를 수 있음)

DSR 한도 기준 결과

예상 대출 가능 금액(원)

237,098,155 원

새 대출 월 상환액(거치 이후)

1,500,000 원

전체 월 상환액(기존+새, 거치 이후)

2,000,000 원

예상 DSR(거치 이후 기준)

40.00 %

원리금 균등 상환 스케줄 (최대 가능 금액 기준)

월 상환액: 1,500,000 원

회차	월 상환액	이자	원금	잔액
1	1,500,000	889,118	610,882	236,487,273
2	1,500,000	886,827	613,173	235,874,101
3	1,500,000	884,528	615,472	235,258,628
4	1,500,000	882,220	617,780	234,640,848
5	1,500,000	879,903	620,097	234,020,751
6	1,500,000	877,578	622,422	233,398,329
7	1,500,000	875,244	624,756	232,773,573
8	1,500,000	872,901	627,099	232,146,474
9	1,500,000	870,549	629,451	231,517,023
10	1,500,000	868,189	631,811	230,885,212
11	1,500,000	865,820	634,180	230,251,032
12	1,500,000	863,441	636,559	229,614,473
13	1,500,000	861,054	638,946	228,975,527
14	1,500,000	858,658	641,342	228,334,185
15	1,500,000	856,253	643,747	227,690,439
16	1,500,000	853,839	646,161	227,044,278
17	1,500,000	851,416	648,584	226,395,694
18	1,500,000	848,984	651,016	225,744,678
19	1,500,000	846,543	653,457	225,091,220
20	1,500,000	844,092	655,908	224,435,312
21	1,500,000	841,632	658,368	223,776,945
22	1,500,000	839,164	660,836	223,116,108
23	1,500,000	836,685	663,315	222,452,794
24	1,500,000	834,198	665,802	221,786,992
25	1,500,000	831,701	668,299	221,118,693
26	1,500,000	829,195	670,805	220,447,888
27	1,500,000	826,680	673,320	219,774,568
28	1,500,000	824,155	675,845	219,098,722
29	1,500,000	821,620	678,380	218,420,342
30	1,500,000	819,076	680,924	217,739,419
31	1,500,000	816,523	683,477	217,055,942
32	1,500,000	813,960	686,040	216,369,901
33	1,500,000	811,387	688,613	215,681,288
34	1,500,000	808,805	691,195	214,990,093
35	1,500,000	806,213	693,787	214,296,306
36	1,500,000	803,611	696,389	213,599,917
37	1,500,000	801,000	699,000	212,900,917
38	1,500,000	798,378	701,622	212,199,295
39	1,500,000	795,747	704,253	211,495,043
40	1,500,000	793,106	706,894	210,788,149
41	1,500,000	790,456	709,544	210,078,605
42	1,500,000	787,795	712,205	209,366,399
43	1,500,000	785,124	714,876	208,651,523
44	1,500,000	782,443	717,557	207,933,967
45	1,500,000	779,752	720,248	207,213,719
46	1,500,000	777,051	722,949	206,490,770
47	1,500,000	774,340	725,660	205,765,111
48	1,500,000	771,619	728,381	205,036,730
49	1,500,000	768,888	731,112	204,305,618
50	1,500,000	766,146	733,854	203,571,764
51	1,500,000	763,394	736,606	202,835,158
52	1,500,000	760,632	739,368	202,095,790
53	1,500,000	757,859	742,141	201,353,649
54	1,500,000	755,076	744,924	200,608,725
55	1,500,000	752,283	747,717	199,861,008
56	1,500,000	749,479	750,521	199,110,487
57	1,500,000	746,664	753,336	198,357,151
58	1,500,000	743,839	756,161	197,600,990
59	1,500,000	741,004	758,996	196,841,994
60	1,500,000	738,157	761,843	196,080,152
61	1,500,000	735,301	764,699	195,315,452
62	1,500,000	732,433	767,567	194,547,885
63	1,500,000	729,555	770,445	193,777,440
64	1,500,000	726,665	773,335	193,004,105
65	1,500,000	723,765	776,235	192,227,870
66	1,500,000	720,855	779,145	191,448,725
67	1,500,000	717,933	782,067	190,666,658
68	1,500,000	715,000	785,000	189,881,658
69	1,500,000	712,056	787,944	189,093,714
70	1,500,000	709,101	790,899	188,302,815
71	1,500,000	706,136	793,864	187,508,951
72	1,500,000	703,159	796,841	186,712,109
73	1,500,000	700,170	799,830	185,912,280
74	1,500,000	697,171	802,829	185,109,451
75	1,500,000	694,160	805,840	184,303,611
76	1,500,000	691,139	808,861	183,494,750
77	1,500,000	688,105	811,895	182,682,855
78	1,500,000	685,061	814,939	181,867,916
79	1,500,000	682,005	817,995	181,049,921
80	1,500,000	678,937	821,063	180,228,858
81	1,500,000	675,858	824,142	179,404,716
82	1,500,000	672,768	827,232	178,577,484
83	1,500,000	669,666	830,334	177,747,149
84	1,500,000	666,552	833,448	176,913,701
85	1,500,000	663,426	836,574	176,077,127
86	1,500,000	660,289	839,711	175,237,417
87	1,500,000	657,140	842,860	174,394,557
88	1,500,000	653,980	846,020	173,548,537
89	1,500,000	650,807	849,193	172,699,344
90	1,500,000	647,623	852,377	171,846,966
91	1,500,000	644,426	855,574	170,991,392
92	1,500,000	641,218	858,782	170,132,610
93	1,500,000	637,997	862,003	169,270,607
94	1,500,000	634,765	865,235	168,405,372
95	1,500,000	631,520	868,480	167,536,892
96	1,500,000	628,263	871,737	166,665,155
97	1,500,000	624,994	875,006	165,790,150
98	1,500,000	621,713	878,287	164,911,863
99	1,500,000	618,419	881,581	164,030,282
100	1,500,000	615,114	884,886	163,145,396
101	1,500,000	611,795	888,205	162,257,191
102	1,500,000	608,464	891,536	161,365,656
103	1,500,000	605,121	894,879	160,470,777
104	1,500,000	601,765	898,235	159,572,542
105	1,500,000	598,397	901,603	158,670,939
106	1,500,000	595,016	904,984	157,765,955
107	1,500,000	591,622	908,378	156,857,578
108	1,500,000	588,216	911,784	155,945,794
109	1,500,000	584,797	915,203	155,030,590
110	1,500,000	581,365	918,635	154,111,955
111	1,500,000	577,920	922,080	153,189,875
112	1,500,000	574,462	925,538	152,264,337
113	1,500,000	570,991	929,009	151,335,328
114	1,500,000	567,507	932,493	150,402,836
115	1,500,000	564,011	935,989	149,466,846
116	1,500,000	560,501	939,499	148,527,347
117	1,500,000	556,978	943,022	147,584,324
118	1,500,000	553,441	946,559	146,637,766
119	1,500,000	549,892	950,108	145,687,657
120	1,500,000	546,329	953,671	144,733,986
121	1,500,000	542,752	957,248	143,776,738
122	1,500,000	539,163	960,837	142,815,901
123	1,500,000	535,560	964,440	141,851,461
124	1,500,000	531,943	968,057	140,883,404
125	1,500,000	528,313	971,687	139,911,717
126	1,500,000	524,669	975,331	138,936,386
127	1,500,000	521,011	978,989	137,957,397
128	1,500,000	517,340	982,660	136,974,737
129	1,500,000	513,655	986,345	135,988,392
130	1,500,000	509,956	990,044	134,998,349
131	1,500,000	506,244	993,756	134,004,593
132	1,500,000	502,517	997,483	133,007,110
133	1,500,000	498,777	1,001,223	132,005,887
134	1,500,000	495,022	1,004,978	131,000,909
135	1,500,000	491,253	1,008,747	129,992,162
136	1,500,000	487,471	1,012,529	128,979,633
137	1,500,000	483,674	1,016,326	127,963,306
138	1,500,000	479,862	1,020,138	126,943,169
139	1,500,000	476,037	1,023,963	125,919,206
140	1,500,000	472,197	1,027,803	124,891,403
141	1,500,000	468,343	1,031,657	123,859,745
142	1,500,000	464,474	1,035,526	122,824,219
143	1,500,000	460,591	1,039,409	121,784,810
144	1,500,000	456,693	1,043,307	120,741,503
145	1,500,000	452,781	1,047,219	119,694,284
146	1,500,000	448,854	1,051,146	118,643,138
147	1,500,000	444,912	1,055,088	117,588,049
148	1,500,000	440,955	1,059,045	116,529,004
149	1,500,000	436,984	1,063,016	115,465,988
150	1,500,000	432,997	1,067,003	114,398,986
151	1,500,000	428,996	1,071,004	113,327,982
152	1,500,000	424,980	1,075,020	112,252,962
153	1,500,000	420,949	1,079,051	111,173,910
154	1,500,000	416,902	1,083,098	110,090,813
155	1,500,000	412,841	1,087,159	109,003,653
156	1,500,000	408,764	1,091,236	107,912,417
157	1,500,000	404,672	1,095,328	106,817,088
158	1,500,000	400,564	1,099,436	105,717,652
159	1,500,000	396,441	1,103,559	104,614,094
160	1,500,000	392,303	1,107,697	103,506,397
161	1,500,000	388,149	1,111,851	102,394,546
162	1,500,000	383,980	1,116,020	101,278,525
163	1,500,000	379,794	1,120,206	100,158,320
164	1,500,000	375,594	1,124,406	99,033,913
165	1,500,000	371,377	1,128,623	97,905,290
166	1,500,000	367,145	1,132,855	96,772,435
167	1,500,000	362,897	1,137,103	95,635,332
168	1,500,000	358,632	1,141,368	94,493,964
169	1,500,000	354,352	1,145,648	93,348,317
170	1,500,000	350,056	1,149,944	92,198,373
171	1,500,000	345,744	1,154,256	91,044,117
172	1,500,000	341,415	1,158,585	89,885,532
173	1,500,000	337,071	1,162,929	88,722,603
174	1,500,000	332,710	1,167,290	87,555,313
175	1,500,000	328,332	1,171,668	86,383,645
176	1,500,000	323,939	1,176,061	85,207,584
177	1,500,000	319,528	1,180,472	84,027,112
178	1,500,000	315,102	1,184,898	82,842,214
179	1,500,000	310,658	1,189,342	81,652,872
180	1,500,000	306,198	1,193,802	80,459,071
181	1,500,000	301,722	1,198,278	79,260,792
182	1,500,000	297,228	1,202,772	78,058,020
183	1,500,000	292,718	1,207,282	76,850,738
184	1,500,000	288,190	1,211,810	75,638,928
185	1,500,000	283,646	1,216,354	74,422,574
186	1,500,000	279,085	1,220,915	73,201,658
187	1,500,000	274,506	1,225,494	71,976,165
188	1,500,000	269,911	1,230,089	70,746,075
189	1,500,000	265,298	1,234,702	69,511,373
190	1,500,000	260,668	1,239,332	68,272,041
191	1,500,000	256,020	1,243,980	67,028,061
192	1,500,000	251,355	1,248,645	65,779,416
193	1,500,000	246,673	1,253,327	64,526,089
194	1,500,000	241,973	1,258,027	63,268,062
195	1,500,000	237,255	1,262,745	62,005,317
196	1,500,000	232,520	1,267,480	60,737,837
197	1,500,000	227,767	1,272,233	59,465,604
198	1,500,000	222,996	1,277,004	58,188,600
199	1,500,000	218,207	1,281,793	56,906,807
200	1,500,000	213,401	1,286,599	55,620,208
201	1,500,000	208,576	1,291,424	54,328,783
202	1,500,000	203,733	1,296,267	53,032,516
203	1,500,000	198,872	1,301,128	51,731,388
204	1,500,000	193,993	1,306,007	50,425,381
205	1,500,000	189,095	1,310,905	49,114,476
206	1,500,000	184,179	1,315,821	47,798,655
207	1,500,000	179,245	1,320,755	46,477,900
208	1,500,000	174,292	1,325,708	45,152,193
209	1,500,000	169,321	1,330,679	43,821,513
210	1,500,000	164,331	1,335,669	42,485,844
211	1,500,000	159,322	1,340,678	41,145,166
212	1,500,000	154,294	1,345,706	39,799,460
213	1,500,000	149,248	1,350,752	38,448,708
214	1,500,000	144,183	1,355,817	37,092,891
215	1,500,000	139,098	1,360,902	35,731,989
216	1,500,000	133,995	1,366,005	34,365,984
217	1,500,000	128,872	1,371,128	32,994,857
218	1,500,000	123,731	1,376,269	31,618,587
219	1,500,000	118,570	1,381,430	30,237,157
220	1,500,000	113,389	1,386,611	28,850,546
221	1,500,000	108,190	1,391,810	27,458,736
222	1,500,000	102,970	1,397,030	26,061,706
223	1,500,000	97,731	1,402,269	24,659,438
224	1,500,000	92,473	1,407,527	23,251,910
225	1,500,000	87,195	1,412,805	21,839,105
226	1,500,000	81,897	1,418,103	20,421,002
227	1,500,000	76,579	1,423,421	18,997,581
228	1,500,000	71,241	1,428,759	17,568,821
229	1,500,000	65,883	1,434,117	16,134,705
230	1,500,000	60,505	1,439,495	14,695,210
231	1,500,000	55,107	1,444,893	13,250,317
232	1,500,000	49,689	1,450,311	11,800,005
233	1,500,000	44,250	1,455,750	10,344,255
234	1,500,000	38,791	1,461,209	8,883,046
235	1,500,000	33,311	1,466,689	7,416,358
236	1,500,000	27,811	1,472,189	5,944,169
237	1,500,000	22,291	1,477,709	4,466,460
238	1,500,000	16,749	1,483,251	2,983,209
239	1,500,000	11,187	1,488,813	1,494,396
240	1,500,000	5,604	1,494,396	0

대출 원금

237,098,155 원

총 이자(추정)

122,901,845 원

총 상환액(원금+이자)

360,000,000 원

※ 본 계산기는 참고용이며 실제 심사 결과와 다를 수 있습니다. DSR/DTI 제도·상품별 산식, 우대/가산금리, 중도상환수수료, 보증료·보험료 등은 반영되지 않았습니다. 본 도구는 거치 이후 원리금균등 상환액 기준으로 보수적으로 계산합니다.