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Ichepụta DTI gị ratio - nke ntinye nke income na-aga na-akwụ ụgwọ debit.

Nhazi —

Ụlọn'ụbọchị iji hụ —

Nhọrọ ndị ahụ ga-akpụzi mgbe ị na-etipụta.

Ọ bụrụ na ọbụna ọbụ

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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.

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Gịnị bụ uru ego na-enweta?

N'okpuru 36% bụ n'ozuzu na-ahụ dị ka dị mma, na 43% mgbe ụfọdụ na-ekpuchi maka a qualified mortgage. N'elu nke ahụ, lenders nwere ike kwụsị ma ọ bụ ụgwọ karịa. DTI = zuru ọnwa debit ÷ gross ọnwa income × 100.

Ònye DTI na-eji gross ma ọ bụ net income?

Lenders iji gross (pre-tax) ọnwa income maka DTI. Na na-eme ka ratio na-ahụ ala karịa ọ ga-eme na-aga-ụlọ ụgwọ, ya mere budgeting na gị net figure n'obi too.

Gịnị bụ ngbanwe n'etiti front-end na back-end DTI?

Front-end DTI na-ewere naanị gị ụlọ ụgwọ na-emegide ego, mgbe back-end DTI na-ewere niile ego gụnyere ụlọ. Lenders na-emekarị na-elekwasị anya kasị banyere back-end figure; a common guideline bụ front-end n'okpuru 28% na back-end n'okpuru 36%.

Gịnị bụ ego ndị a na-ewere n'aka 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.

Olee otú m ga-esi belata DTI m?

Ma ọ bụ na-arịọ ego ma ọ bụ na-akwụsị ụgwọ ọnwa. Na-akwụ ụgwọ nke obere ego, na-egbochi ego ọhụrụ, ma ọ bụ na-akwụghachi ụgwọ na ụgwọ dị ala niile na-ebelata numerator, ebe a na-arịọ ma ọ bụ na-agbakwunye ego na-ebelata denominator - abụọ na-agba ọsọ ọnụọgụgụ.

Enwere m ike inweta ego n'ihi na m nwere DTI dị elu?

Oge ụfọdụ. Lenders ọtụtụ cap qualified mortgages gburugburu 43%, ma ụfọdụ programụ na-enye ohere elu na-eguzogide credit, n'ihi na-echekwa ma ọ bụ a nnukwu down payment. A ala DTI na-emekarị na-eme ka mfe nkwekọrịta na-adị mma ọnụego.

API — jiri kaadị a site na kóòdù

Kpọọ kalkulata a dịka ebe ngwụcha JSON n'efu - enweghị kii achọrọ. Ziga valiu ebe ahụ n'okpuru dịka paramita ajụjụ mọọbụ JSON. Ihe ọbụla ị na-ewepụ na-eji dìfọ́ọ̀ltụ̀ nke a na-edebe ihuakwụkwọ a na ya; parameter a na-amaghị bụ 400, ọ dịghị sẽọ̀rọ̀. Gụọ ngwe ndị ahụ niile →

Ebemkpofuozi

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);

Ihe a na-ahụta bụ n'ihi nlekọta n'ozuzu ya, ọ bụghị nlekọta ego, ọgwụ ma ọ bụ nlekọta ego.

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curl

JavaScript fetch()

JavaScript `fetch()`