Skuld- na- Inkomper Ratio Sakrekenaar
Bereken jou DTI verhouding ium die deel van inkomste wat skuld betaal.
Resultate werk op soos jy tik.
Aangaande hierdie sakrekenaar
Your debt-to-income (DTI) ratio is the percentage of your gross monthly income that goes to debt payments. Lenders lean on it heavily to judge how much more you can safely borrow. This calculator adds your housing payment and other monthly debts, divides by income, and shows the ratio, a plain-language rating, and how much monthly debt room you have left to a target.
The formula is total monthly debt ÷ gross monthly income × 100. For example, 1,500 of housing plus 500 of other debts on 5,000 of monthly income is 2,000 ÷ 5,000 = 40% — above the 36% many lenders prefer, so it would be flagged as manageable rather than healthy. Against a 36% target, this borrower is about 200 a month over the line.
Use it to see where you stand before applying for a mortgage or loan, to work out how much debt payment you can add and stay under a target, or to track progress as you pay debt down. Because DTI uses gross income, budget with your lower take-home pay in mind too.
Dikwels gevra vrae
Wat is 'n goeie skuld-na-kom verhouding?
Below 36% is generally seen as healthy, with 43% often the ceiling for a qualified mortgage. Above that, lenders may decline or charge more. DTI = total monthly debt ÷ gross monthly income × 100.
Gebruik DTTI growwe of net inkomste?
Leders gebruik maandelikse inkomste vir DTI (pre-tax) wat die verhouding laer laat lyk as wat dit sou teen die betaling van 'n huis, so begroting met jou net figuur in gedagte.
Wat is die verskil tussen voor-aan en agter-einde DTI?
Voor-end DTI tel net jou behuisingsbetaling teen inkomste, terwyl agter-end DTI alle skuld tel, insluitend behuising. Leders gee gewoonlik die meeste om oor die agter-einde figuur; 'n gemeenskaplike riglyn is voor-aan onder 28% en agter-aan onder 36%.
Watter skuld is daar teenoor DTI?
Recurring monthly obligations: mortgage or rent, car loans, student loans, minimum credit-card payments, personal loans and child support or alimony. Everyday bills like utilities, groceries and insurance are generally not counted.
Hoe kan ek my DTI - verhouding verlaag?
As jy jou inkomste verhoog of maandelikse skuld besnoei, moet jy'n klein lening afbetaal, nuwe geld leen of'n laer betaling terugbetaal, sal dit die numerator verminder, terwyl'n hoër of bykomende inkomste die verhouding laat afneem.
Kan ek 'n verband met 'n hoë DTI?
Soms. Baie uitleners kap gekwalifiseerde verbande om ongeveer 43%, maar sommige programme laat toe dat hulle meer krediet, reserwes of'n groot deposito betaal.'n Minder DTTI beteken gewoonlik makliker goedkeuring en beter syfers.
API ← gebruik hierdie sakrekenaar van kode
Bel hierdie sakrekenaar as 'n vry JSON-punt takies wat nodig is. Stuur die veldwaardes hieronder as navraag parameters of JSON. Enigiets wat jy weglaat gebruik dieselfde verstek hierdie bladsy is vooraf gevul met; 'n onbekende parameter is 'n 400, nooit' n stil nul. Lees die volle API docs →
Einde punt:
GET https://calculator.free/api/v1/debt-to-income/curl
curl "https://calculator.free/api/v1/debt-to-income/?income=5000&housing=1500&other=500"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/debt-to-income/?" + new URLSearchParams({
"income": "5000",
"housing": "1500",
"other": "500"
}));
const data = await r.json();
console.log(data.results);Die resultate is skattings van algemene leiding, nie net finansiële, mediese of belastingvoorligting nie.