Glossary entry
Net surplus ratio (NSR)
Net surplus ratio (NSR) measures how much surplus income remains after expenses and debt obligations, supporting affordability and credit risk assessment.
Category
Lending technology
Definition
Why it matters
- Provides a comparable affordability signal across applicants
- Supports policy thresholds and exception handling
- Requires consistent expense assumptions and evidence trails
Related terms
ServiceabilityDebt-to-income ratio (DTI)Looking for something else? Browse the fulllending technology glossary.
Looking for something else? Browse the fulllending technology glossary.
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