Debt-to-income 比 calculator

如何使用Debt-to-income 比 calculator

它计算什么，何时使用

Your debt-to-income 比 compares 每月 debt payments with gross 每月 income. Mortgage lenders use it 至 judge whether you 罐 take on more borrowing.

使用步骤

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

各输入项的含义

• 第 Gross income 每 周一 次 – Income before 税款 和 deductions.
• Rent 或 mortgage – Your housing payment.
• Debt payments – 最小值 payments on car、card, student、other debts.

如何阅读结果

• Housing 比 (front-end) – Housing payment ÷ gross income.
• 总计 debt 比 (back-end) – All debt payments including housing ÷ gross income.
• 房间 left – Extra 每月 debt you could take before hitting 36% 或 43%.

公式

Front-end 比 = housing payment ÷ gross 每月 income. Back-end 比 = (housing + all other debt payments) ÷ gross 每月 income. Both are multiplied by 100件a 百分比.

计算示例

每月 Income 5,000、housing 1,300、other debts 500. The housing ratio 是 26% 和 the total ratio 是 36%, so there 是 no room left under 36% but 350 under 43%.

假设与局限

• 日常 spending such as food 和 utilities 是 not counted.
• Lenders set their own limits; 36% 和 43% are common reference 点数, not rules.

常见错误

• Using take-home 薪酬 instead gross.
• Leaving out 最小值 payments on cards 或 student loans.
• Counting the new mortgage twice when you are replacing rent.

常见问题

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