Debt Burden Ratio (DBR) Kya Hota Hai Aur Loan Approval Mein Kaise Affect Karta Hai? | Loansathi.in

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Introduction

Jab bhi aap loan ke liye apply karte ho, banks aur NBFCs aapka Debt Burden Ratio (DBR) calculate karte hain. DBR batata hai ki aapki income ka kitna hissa aapke existing loans aur EMIs repay karne mein ja raha hai. Is blog mein hum samjhenge DBR kya hota hai, kaise calculate hota hai aur loan approval mein iska kya role hai.

Debt Burden Ratio (DBR) Kya Hota Hai?

DBR ek percentage ratio hai jo aapke total monthly debt obligations (EMIs) ko aapki monthly income ke sath compare karta hai. Yeh ek tarah ka measure hai jo lender ko dikhata hai ki aap aur kitna loan afford kar sakte ho.

DBR Formula

DBR = (Total Monthly EMIs ÷ Monthly Income) × 100

Example:

• Monthly Income = ₹50,000
• Total EMIs = ₹20,000
• DBR = (20,000 ÷ 50,000) × 100 = 40%

Is case mein applicant ki income ka 40% already EMIs mein ja raha hai.

Loan Approval Mein DBR Ka Role

• ✔ Agar DBR < 40% hai → High approval chances
• ✔ Agar DBR 40% – 50% hai → Approval possible but with conditions
• ✔ Agar DBR > 60% hai → High rejection chances

Kyun High DBR Loan Approval Ko Affect Karta Hai?

High DBR ka matlab hai ki applicant ki income ka bada hissa already existing loans ke liye use ho raha hai. Lender ke liye yeh risk hota hai ki applicant naya loan repay nahi kar paayega.

Kaise DBR Improve Karein?

• ✔ Existing high-interest loans close karein
• ✔ Debt consolidation loan le kar EMIs reduce karein
• ✔ New loan amount kam rakhein
• ✔ Co-applicant add karein to improve repayment capacity
• ✔ Loansathi.in ke experts se customized plan lein

Loansathi.in Ka Solution

Loansathi.in aapka DBR calculate karke best lenders suggest karta hai jahan approval chances high hote hain. Yahaan aapko 150+ Banks, NBFCs & private funding options milte hain jo flexible DBR criteria ke sath loan approve karte hain.

Conclusion

DBR ek crucial factor hai jo loan approval ko directly impact karta hai. Agar aapka DBR high hai toh pehle apne debts reduce karein, fir loan apply karein. Aur expert guidance ke liye Loansathi.in hamesha aapke sath hai to ensure smooth approval.

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