Debt-to-income Rasio calculator

Cara menggunakan Debt-to-income Rasio calculator

Apa yang dihitung dan kapan digunakan

Your debt-to-income Rasio compares Bulanan debt payments with gross Bulanan income. Mortgage lenders use it sampai judge whether you kaleng take on more borrowing.

Cara menggunakan, langkah demi langkah

1. Enter gross Bulanan income, before Pajak.
2. Enter your rent atau mortgage payment.
3. Add the Bulanan payments on cars, cards, student loans, dan other debts.
4. Read the front-end dan back-end ratios dan the room left under 36% dan 43%.

Arti setiap input

• ke-Gross income per Sen – Income before Pajak dan deductions.
• Rent atau mortgage – Your housing payment.
• Debt payments – Minimum payments on car, card, student, dan other debts.

Cara membaca hasil

• Housing Rasio (front-end) – Housing payment ÷ gross income.
• Total debt Rasio (back-end) – All debt payments including housing ÷ gross income.
• Ruangan left – Extra Bulanan debt you could take before hitting 36% atau 43%.

Rumus

Front-end Rasio = housing payment ÷ gross Bulanan income. Back-end Rasio = (housing + all other debt payments) ÷ gross Bulanan income. Both are multiplied by 100 seharga a Persentase.

Contoh perhitungan

Income 5,000 per bulan, housing 1,300, dan other debts 500. The housing ratio adalah 26% dan the total ratio adalah 36%, so there adalah no room left under 36% but 350 under 43%.

Asumsi dan batasan

• Sehari-hari spending such as food dan utilities adalah not counted.
• Lenders set their own limits; 36% dan 43% are common reference Titik, not rules.

Kesalahan umum

• Using take-home Gaji instead gross.
• Leaving out minimum payments on cards atau student loans.
• Counting the new mortgage twice when you are replacing rent.

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