Debt-to-income Razão calculator

Como usar a Debt-to-income Razão calculator

O que calcula e quando usar

Your debt-to-income Razão compares Mensal debt payments with gross Mensal income. Mortgage lenders use it a judge whether you lata take on more borrowing.

Como usar, passo a passo

1. Enter gross Mensal income, antes Imposto.
2. Enter your rent ou mortgage payment.
3. Add the Mensal payments on cars, cards, student loans e other debts.
4. Read the front-end e back-end ratios e the room left under 36% e 43%.

O que significa cada campo

• Gross income Por Seg.ª – Income antes Imposto e deductions.
• Rent ou mortgage – Your housing payment.
• Debt payments – Mínimo payments on car, card, student e other debts.

Como ler os resultados

• Housing Razão (front-end) – Housing payment ÷ gross income.
• Total debt Razão (back-end) – All debt payments including housing ÷ gross income.
• Cômodo left – Extra Mensal debt you could take antes hitting 36% ou 43%.

A fórmula

Front-end Razão = housing payment ÷ gross Mensal income. Back-end Razão = (housing + all other debt payments) ÷ gross Mensal income. Both are multiplied by 100 por a Porcentagem.

Um exemplo prático

Income de 5,000 por mês, housing de 1,300 e other debts de 500. The housing ratio é 26% e the total ratio é 36%, so there é no room left under 36% but 350 under 43%.

Premissas e limites

• Dia a dia spending such as food e utilities é not counted.
• Lenders set their own limits; 36% e 43% are comuns reference Pontos, not rules.

Erros comuns

• Using take-home Pagamento instead de gross.
• Leaving out Mínimo payments on cards ou student loans.
• Counting the new mortgage twice when you are replacing rent.

Perguntas frequentes

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