DSR came in tighter than expected - is it worth restructuring debt before reapplying, or just try a different bank?
Superhomes Team
15 Sept 2026
Before I go apply at a different bank (I've heard some banks are more lenient, especially at higher income bands), is it worth spending a few months paying down the credit card balance and maybe the car loan first? Or does DSR get recalculated fresh enough each time that a different bank might just approve it anyway with the same numbers?
Also wondering whether it makes sense to lower my loan margin (put down a bigger down payment) instead of touching my existing debts, since I have some EPF savings I could withdraw for this. Has anyone actually gone through the EPF withdrawal process specifically to boost down payment and reduce loan amount because of a DSR issue, rather than just to cover the general down payment? Trying to figure out the fastest realistic path to approval without over-committing my savings.
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