DBR is an assessment tool to calculate the financial muscle of an applicant, their capacity to repay their financial obligations in terms of already availed consumer financing from banks & the cushion available to seek additional financing. As per current regulation vested by State Bank of Pakistan, DBR ratio shall not exceed above 40% of the applicant’s total disposal income. Primary applicant has an option to club income of a co-applicant by obtaining a written consent to improve their eligibility of obtain financing.