Bank Salad Unveils DSR-Based Loan Redesign Service

Fintech innovation company Bank Salad has officially launched its 'DSR-based Personal Loan Remodeling Service,' designed to dramatically improve individuals' loan management. This service precisely analyzes the user's DSR (Debt Service Ratio) to propose possible additional loan limits and offers practical solutions to effectively lower DSR using MyData. Bank Salad explained that this service goes beyond simple information provision, introducing an innovative function called 'loan remodeling' alongside data-driven DSR management. In particular, the core of this service lies in meticulously analyzing an individual's loan status and DSR to optimize excessively set limits to suit the customer's situation. For instance, it might adjust unnecessarily high overdraft limits compared to the actual amount used or find and propose optimal solutions to switch certain high-interest loans to products with more favorable terms. Upon the service launch, users can check their DSR fluctuation trends at a glance and easily inquire about available loan amounts from both primary and secondary financial sectors. In case of major changes affecting DSR, such as income changes or interest rate adjustments, the notification function helps them promptly recognize and respond. Furthermore, Bank Salad's DSR service perfectly reflects the recently implemented 'Stress DSR Phase 3' policy, thereby providing the most accurate information even amidst rapidly changing financial policies. Bank Salad stated that it plans to continuously update the service in line with future policy changes. A Bank Salad official stated, "Our goal is to help customers make rational financial decisions by consistently analyzing their limits and interest rate situations through MyData, even after obtaining a loan," and emphasized, "We will do our best to proactively reflect major financial policies such as DSR, so that customers can manage their loans more effectively." With this, Bank Salad is expected to establish itself as a leader in elevating personalized financial consulting to the next level.