A LITTLE CLARITY BEFORE YOU BORROW

Brunei TDSR calculator.

Estimate your total debt service ratio (TDSR) and room for a new monthly instalment.

Illustration and guidance only. Consult your bank for an exact assessment.

All amounts in BND

Your income

Enter amounts before salary deductions.

Regular monthly income

100% recognised

Basic salary

BND

Per month

Fixed allowance

BND

Per month

Other income

Past 12 months · total received

Enter the full 12-month total. We divide by 12, then apply the recognition rate.

Variable allowance 50%

BND

12-month total · 50% of monthly average

Commission 50%

BND

12-month total · 50% of monthly average

Bonus 50%

BND

12-month total · 50% of monthly average

Rental income 70%

BND

12-month total · 70% of monthly average

Sole-proprietor income 70%

BND

12-month total · 70% of monthly average

Monthly deductions

Subtracted from income

Statutory / pension contributions

BND

Your actual monthly contribution

Other salary deductions

BND

Exclude contributions already entered

For salary-deducted loan repayments, confirm with your bank how they affect net income and debt commitments to avoid incorrect counting.

Your commitments

Include facilities across all financial institutions.

Term-loan instalments

Monthly repayments

Housing loan / financing

BND

Car loan / financing

BND

Personal loan / financing

BND

Other term financing

BND

Credit facilities

Limits & balances

Total revolving credit limit 2%

BND

Exclude credit cards · 2% of the facility limit

Total unsecured card limits

BND

Total unsecured card balances

BND

8% of whichever combined card total is higher. Exclude cards fully secured by fixed deposits.

I’m planning a property purchase or constructionThe proposed financing will be secured by that property.

Blank fields are treated as zero.

Your estimate

Updates live

Current TDSR

ILLUSTRATIVE

—

of your eligible monthly income goes towards assessed debt commitments.

0%60% reference100%

Start with your income to see your estimate.

Eligible net monthly income: BND 0.00
Monthly debt commitments: BND 0.00

Remaining capacity at 60%

—

additional monthly instalment

Enter eligible income to see available capacity.

Property capacity up to 70%

CONDITIONAL

—

additional monthly instalment

Select property purchase or construction to check this scenario.

For eligible net income of BND 1,750 to below BND 10,000, a bank may allow up to 70% for purchase or construction secured by the property. The two capacities are alternative scenarios.

How your estimate adds up

Recognised gross income: BND 0.00
Monthly deductions: BND 0.00
Term-loan instalments: BND 0.00
Revolving credit assessment: BND 0.00
Credit-card assessment: BND 0.00

TDSR = monthly debt commitments ÷ eligible net monthly income × 100. Remaining capacity = income × threshold − commitments, with a minimum of zero.

Your financial figures stay in this browser. They are never saved or sent.

KNOW WHAT COUNTS

A few things worth understanding.

01 / INCOME

Not every dollar counts equally.

Salary and fixed allowances count in full. Variable pay counts at 50%; rental and sole-proprietor income at 70% of the 12-month monthly average.

Keep proof of credited income. Rental income needs a valid tenancy agreement; business income must be sustainable.

02 / CREDIT LIMITS

Unused limits can still count.

A BND 5,000 unsecured card limit adds BND 400 to assessed monthly commitments, even with a zero balance. A higher total balance raises the assessment.

Review limits you no longer need with your bank before applying for new financing.

03 / AFFORDABILITY

Capacity is a starting point.

The 60% threshold applies to eligible net income from BND 1,750 to below BND 10,000. Outside this band, the bank sets its policy.

Leave room for living costs and unexpected expenses. Available capacity is a monthly instalment estimate.

Please use this as a guide.

This calculator is for illustration and general guidance only and may not be 100% accurate. Actual TDSR treatment, eligible income and financing entitlement may vary by financial institution and individual circumstances. For an exact assessment of your entitlement, please consult the bank or financial institution you intend to use.

Bank approval remains subject to current BDCB rules and each bank’s internal credit assessment.