Debt-to-income Отношение calculator

Как пользоваться: Debt-to-income Отношение calculator

Что считает и когда использовать

от Your debt-to-income Отношение compares Ежемесячно debt payments with gross Ежемесячно income. Mortgage lenders use it до judge whether you банка take on more borrowing.

Как пользоваться, шаг за шагом

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

Что означает каждое поле

• Gross income За Пн-й – Income before Налог и deductions.
• Rent или mortgage – Your housing payment.
• Debt payments – Минимум payments on car, card, student и other debts.

Как читать результаты

• Housing Отношение (front-end) – Housing payment ÷ gross income.
• Итого debt Отношение (back-end) – All debt payments including housing ÷ gross income.
• Комната left – Extra Ежемесячно debt you could take before hitting 36% или 43%.

Формула

Front-end Отношение = housing payment ÷ gross Ежемесячно income. Back-end Отношение = (housing + all other debt payments) ÷ gross Ежемесячно income. Both are multiplied by 100 за a Процент.

Пример расчёта

Income 5,000 в месяц, housing 1,300 и other debts 500. The housing ratio — 26% и the total ratio — 36%, so there — no room left under 36% but 350 under 43%.

Допущения и ограничения

• Повседневное spending such as food и utilities — not counted.
• Lenders set their own limits; 36% и 43% are common reference Точки, not rules.

Частые ошибки

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

Частые вопросы

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