Affordability

[jaykay]

Pardon me if I was slow, I just learnt that for DSR includes credit card debt which is in my view absurd as some people uses e credit card for consumption and make full payments regularly. Even some have to use their credit cards for business travel before getting a expense claim from the company. But if those are taken into account for DSR, those who uses credit card as consumption can almost not buy any property.

Only if you roll over the outstanding balance on regular basis.