Kalkulator rasio utang marang penghasilan (DTI)
Etung sepira bagean penghasilan panjenengan sing kanggo utang lan omah, lan kepiye bank maca angka kasebut.
Babagan Kalkulator rasio utang marang penghasilan (DTI)
Etung sepira bagean penghasilan panjenengan sing kanggo utang lan omah, lan kepiye bank maca angka kasebut.
Bagean saka seksi “KPR & properti” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator rasio utang marang penghasilan (DTI)
Apa sing dietung lan kapan nganggo
Rasio utang marang pangasilan (DTI) mbandhingake cicilan utang saben sasi karo pangasilan bruto saben sasi. Bank KPR nggunakake iki kanggo nimbang apa panjenengan isih bisa nambah utang.
Carane nganggo, langkah demi langkah
- Lebokna pangasilan bruto saben sasi, sadurunge pajak.
- Lebokna sewa utawa cicilan KPR panjenengan.
- Tambahna cicilan saben sasi kanggo mobil, kartu kredit, utangan kuliah lan utang liyane.
- Waca rasio front-end lan back-end lan sisa ruang ing sangisore 36% lan 43%.
Tegese saben input
- Gross income saben sasi – Income Sadurunge pajak lan deductions.
- Rent utawa mortgage – Your housing payment.
- Debt payments – Minimal payments on car, card, student lan other debts.
Carane maca asile
- Housing rasio (front-end) – Housing payment ÷ gross income.
- Total debt rasio (back-end) – All debt payments including housing ÷ gross income.
- Kamar left – Extra monthly debt you could take before hitting 36% or 43%.
Rumus
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.
Conto petungan
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%.
Asumsi lan watesan
- Saben dina spending such as panganan lan utilities yaiku not counted.
- Lenders set their own limits; 36% and 43% are common reference points, not rules.
Kesalahan umum
- Using take-home Bayaran instead gross.
- Leaving out Minimal payments on cards utawa student loans.
- Counting the new mortgage twice when you are replacing rent.
Pitakonan sing kerep ditakokake
Pira rasio utang marang pangasilan sing apik?
36% utawa luwih asor biasane dianggep nyaman. Ing ndhuwur 43% akeh bank bakal nolak utawa mbatesi KPR.
Apa DTI mengaruhi skor kreditku?
Ora. Skor kredit ora nglebokake pangasilan, nanging bank ndeleng loro-lorone.
Piranti sing gegandhengan
Rincian
- Housing rasio (front-end)
- 26%rent utawa mortgage ÷ income
- Total debt rasio (back-end)
- 36%kabeh debts ÷ income
- Kamar left up nganti 36%
- £0.00more Saben sasi debt
- Kamar left up nganti 43%
- £350.00
- Debt payments excluding housing
- £500.00