Na'urar lissafin bashi zuwa kuɗin shiga (DTI)
Lissafa kashin kuɗin shigarku da ke tafiya wajen biyan bashi da gidaje, da yadda masu bayar da lamuni ke kallon sa.
Game da Na'urar lissafin bashi zuwa kuɗin shiga (DTI)
Lissafa kashin kuɗin shigarku da ke tafiya wajen biyan bashi da gidaje, da yadda masu bayar da lamuni ke kallon sa.
Ɓangare ne na sashen “Jinginar gida & gidaje” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin bashi zuwa kuɗin shiga (DTI)
Abin da yake lissafawa da lokacin amfani da shi
Rabon bashi zuwa kuɗin shiga yana kwatanta biyan bashi na wata-wata da kuɗin shiga gross na wata. Masu ba da jinginar gida suna amfani da shi don tantance ko za ku iya ɗaukar ƙarin bashi.
Yadda ake amfani da shi, mataki-mataki
- Shigar da kuɗin shiga gross na wata, kafin haraji.
- Shigar da kuɗin hayarku ko biyan jinginar gida.
- Ƙara biyan wata-wata na motoci, katuna, lamunin karatu da sauran basussuka.
- Karanta rabon front-end da back-end da sararin da ya rage ƙarƙashin 36% da 43%.
Ma'anar kowace shigarwa
- Gross income kowace wata – Income Kafin haraji da deductions.
- Rent ko mortgage – Your housing payment.
- Debt payments – Mafi ƙaranci payments on car, card, student da other debts.
Yadda ake karanta sakamako
- Housing rabo (front-end) – Housing payment ÷ gross income.
- Jimilla debt rabo (back-end) – All debt payments including housing ÷ gross income.
- Ɗaki left – Extra monthly debt you could take before hitting 36% or 43%.
Dabarar lissafi
Front-end ratio = housing payment ÷ gross monthly income. Back-end ratio = (housing + all other debt payments) ÷ gross monthly income. Both are multiplied by 100 for a percentage.
Misali da aka warware
Income of 5,000 a month, housing of 1,300 and other debts of 500. The housing ratio is 26% and the total ratio is 36%, so there is no room left under 36% but 350 under 43%.
Zato da iyakoki
- Na yau da kullum spending such as abinci da utilities shi ne not counted.
- Lenders set their own limits; 36% and 43% are common reference points, not rules.
Kurakuran da aka saba yi
- Using take-home Albashi instead na gross.
- Leaving out Mafi ƙaranci payments on cards ko student loans.
- Counting the new mortgage twice when you are replacing rent.
Tambayoyin da ake yawan yi
Mene ne rabon bashi zuwa kuɗin shiga mai kyau?
36% ko ƙasa da haka galibi ana ɗaukar shi a matsayin mai daɗi. Sama da 43% masu ba da lamuni da yawa za su ƙi ko su takaita jinginar gida.
Shin DTI yana shafar makin bashina (credit score)?
A'a. Makin bashi ba sa haɗa da kuɗin shiga, amma masu ba da lamuni suna duba duka biyun.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Housing rabo (front-end)
- 26%rent ko mortgage ÷ income
- Jimilla debt rabo (back-end)
- 36%duka debts ÷ income
- Ɗaki left up zuwa 36%
- £0.00more Kowane wata debt
- Ɗaki left up zuwa 43%
- £350.00
- Debt payments excluding housing
- £500.00