Kalkulator rasio utang-ka-penghasilan

Biaya-biaya anu dibutuhkeun pikeun ngalaksanakeun transaksi, diitung dina jumlah uang.

Rasio utang-ka-penghasilan —

Nilai —

Ruangan kanggo target —

Hasilne bakal dioptimalake nalika sampeyan ngetik.

Ngenai kalkulator iki

you have a housing loan, you can use the DTI to calculate your debt-to-income ratio. The DTI is a percentage of your gross monthly income that goes to debt payments. This calculator adds your housing payment and other monthly debts, divided by income, and shows the ratio, a plain-language rating, and how much monthly debt room you have left to a target. Against a 36% target, this borrower is about 200 a month over the line. This calculator uses gross income to calculate your DTI.Use itUse it to see where you standUse it to see where you stand before applying for a mortgage or loan. This calculator uses gross income to calculate your debt-to-income ratio. The DTI is a percentage of your gross monthly income.Use it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standUse it to see where you standU

Takon-takon kang kerep diajukake

Apa sing diarani rasio utang-ka-penghasilan sing apik?

Di handapeun 36% umumna dianggap sakumaha sehat, kalawan 43% sering plafond pikeun hiji mortgage qualified. Di luhur éta, payun bisa turun atawa nanggung leuwih. DTI = total bulanan utang ÷ pendapatan bruto bulanan × 100.

Apa DTI nggunakake pendapatan bruto utawa net?

Lenders ngagunakeun bruto (pre-tax) pendapatan bulanan pikeun DTI. Nu nyieun rasio kasampak handap ti éta bakal ngalawan take-home pay, jadi anggaran jeung angka net anjeun dina pikiran ogé.

Apa bedane antarane front-end lan back-end DTI?

Front-end DTI mung ngitung pembayaran omahmu marang pendapatan, nalika back-end DTI ngitung kabeh utang kalebu omah. Pembiayaan biasane paling peduli babagan gambar back-end; pedoman umum yaiku front-end ing ngisor 28% lan back-end ing ngisor 36%.

Apa utang sing diitung kanggo DTI?

Kawajiban bulanan anu diulang: hipotek atanapi sewa, pinjaman mobil, pinjaman mahasiswa, pamayaran kartu kredit anu paling saeutik, pinjaman pribadi sareng dukungan anak atanapi alimony. Biaya sapopoé sapertos utilitas, barang-barang sareng asuransi biasana henteu diitung.

Кантип мен төмөндөтөм DTI ченимди?

Paying off hiji pinjaman leutik, nyingkahan pinjaman anyar, atawa refinancing ka hiji pembayaran handap sadaya ngurangan numerator, sedengkeun hiji naek atawa tambah pendapatan nambahan denominator - boh push rasio ka handap.

Мен ипотека алууга болот, эгерде менде DTI жогору болсо?

Kadang-kadang. A loba lenders cap qualified mortgages sabudeureun 43%, tapi sababaraha program ngidinan leuwih luhur kalawan kredit kuat, cadangan atawa hiji mayar handap badag. A DTI handap biasana hartosna pangévaluasi gampang jeung tingkat leuwih alus.

API — gunakake kalkulator iki saka kode

Ngadongékeun kalkulator ieu minangka titik akhir JSON bébas — teu peryogi kunci. Kirim nilai medan di handapeun minangka parameter pitakonan atawa JSON. Waca dokumen lengkap API →

Tampilan

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);

Hasilna nyaéta perkiraan pikeun pituduh umum, henteu saran finansial, médis atanapi pajak.

Ngenai kalkulator iki

Takon-takon kang kerep diajukake

Kalkulator

Tampilan

curl

JavaScript fetch()

JavaScript `fetch()`