What's considered a “good” DSR varies, but the industry standard for lenders typically is: 32% for your GDS 40% for your TDS These benchmarks are primarily applicable in mortgage financing. However, they’re still a good target to aim for in general. Bear in mind that lenders also consider other factors, such as your credit score and personal assets, when evaluating your loan application, so an “acceptable” ratio will depend on your overall financial situation.