Debt-ku-Income Ratio Calculator
Kafukufuku wanu DTI ratio - gawo la ndalama zopita ku ngongole malipiro.
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
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.
Mafunso ofunsidwa nthawi zambiri
Kodi ndi chiyani choyenera kulipira ngongole kuti mulandire ndalama?
Pambuyo 36% ndi nthawi zonse amaoneka ngati bwino, ndi 43% nthawi zambiri m'mphepete mwa nyumba yoyenera. Pambuyo kuti, wopereka ndalama angalephere kapena kulipira zambiri. DTI = mwezi uliwonse deni ÷ gross mwezi ndalama × 100.
Kodi DTI imagwiritsa ntchito ndalama zochuluka kapena ndalama zochuluka?
Opereka ndalama amagwiritsa ntchito ndalama zochuluka (zopanda malire) za mwezi wa DTI. Izi zimachititsa kuti mfundoyi ikhale yotsika kuposa mfundo yoti ndalama zikhale zochuluka, choncho ganizirani ndalama zanu zochuluka.
Kodi pali kusiyana kotani pakati pa front-end ndi back-end DTI?
Front-end DTI imawerengera ndalama zanu zoyendera nyumba zokhazokha, pomwe back-end DTI imawerengera ndalama zonse kuphatikizapo nyumba. Opereka ndalama amaganizira kwambiri za ndalama za back-end; mfundo yofala kwambiri ndi kuti front-end ndi pansi pa 28% ndipo back-end ndi pansi pa 36%.
Kodi ndalama ziti zimawerengedwa ku DTI?
Zofunika zopita m’mbuyo: ndalama zoyendera nyumba kapena ndalama zoyendera nyumba, ndalama zoyendera magalimoto, ndalama zoyendera ana, ndalama zoyendera makhadi a ngongole, ndalama zoyendera anthu ndi ndalama zoyendera ana kapena ndalama zoyendera ana.
Kodi ndingatani kuti ndichepetse DTI ratio yanga?
Kulipira ndalama zochepa, kupewa ndalama zatsopano, kapena kulipira ndalama zosakwanira zonse zimachepetsa mfundo yowerengera, pomwe kuwonjezeka kwa ndalama kapena ndalama zowonjezera zimawonjezera mfundo yotchedwa - zonse zimachepetsa mfundo yowerengera.
Kodi ndingapeze ndalama zoyendera nyumba ndi DTI yotsika?
Nthawi zina. Opereka ndalama ambiri amaletsa ndalama zokhala ndi ndalama zokwana 43%, koma ena amalola kuti ndalamazo zikhale zochuluka kwambiri ngati muli ndi ndalama zochuluka, ndalama zosawerengeka kapena ndalama zambiri zoyamba.
API — kugwiritsa ntchito izi calculator kuchokera code
Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Chomweko chilichonse chimene mumasiya chimagwiritsa ntchito mfundo yoyamba yomweyi yomwe tsambali limagwiritsa ntchito; mfundo yosadziwika ndi 400, siyiyenera kukhala zero yosadziwika. Onani zonse API docs →
Chithunzi
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);Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.