Debt-to-income 比 calculator

Debt-to-income 比 calculatorの使い方

何を計算するか、いつ使うか

Your debt-to-income 比 compares 毎月 debt payments with gross 毎月 income. Mortgage lenders use it〜judge whether you 缶 take on more borrowing.

使い方の手順

1. Enter gross 毎月 income, before 税額.
2. Enter your rentまたはmortgage payment.
3. Add the 毎月 payments on cars、cards, student loans、other debts.
4. Read the front-endとback-end ratiosとthe room left under 36%と43%.

各入力項目の意味

• Gross income 単位 月乗 – Income before 税額とdeductions.
• Rentまたはmortgage – Your housing payment.
• Debt payments – 最小値 payments on car、card, student、other debts.

結果の読み方

• Housing 比 (front-end) – Housing payment ÷ gross income.
• 合計debt 比 (back-end) – All debt payments including housing ÷ gross income.
• 部屋left – Extra 毎月 debt you could take before hitting 36%または43%.

計算式

Front-end 比 = housing payment ÷ gross 毎月 income. Back-end 比 = (housing + all other debt payments) ÷ gross 毎月 income. Both are multiplied by 100個でa 割合.

計算例

月5,000 Income、1,300 housing、500. The housing ratio other debtsは26%ですとthe total ratioは36%, so thereはno room left under 36% but 350 under 43%.ですです

前提と限界

• 日常 spending such as foodとutilitiesはnot counted.です
• Lenders set their own limits; 36%と43% are common reference 点の数, not rules.

よくある間違い

• gross. Using take-home 給与 instead
• Leaving out 最小値 payments on cardsまたはstudent loans.
• Counting the new mortgage twice when you are replacing rent.

よくある質問

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