Sensa ya Malipo ya Idadi ya Watu
Hesabu idadi ya pesa ulizo nazo kwa uwiano wa DTI KUIFA sehemu ya mapato unayotumia kulipa deni.
Matokeo yanakuwa bora zaidi unapochapa.
Kuhusu kifaa hiki cha kupigia hesabu
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.
Maswali yaliyoulizwa mara nyingi
Na nini kipimo cha deni kinacho toka kwa Mwenyezi Mungu?
Chini asilimia 36 kwa ujumla huonwa kuwa na afya, asilimia 43 mara nyingi dari ikiwa ni rehani ya mkopo. Juu ya hapo, wakopeshaji huenda wakapungua au kushtakiwa zaidi. DTI = deni la kila mwezi majani yote majani ya dola 100 BADO.
Je, mimi hutumia pesa nyingi sana au mshahara wa pesa za kihobela?
Lenders hutumia fedha za kiasi kidogo cha pesa za mwezi kwa ajili ya DTI. Hilo hufanya uwiano uonekane kuwa wa chini kuliko vile ungezuia kulipa gharama za nyumba, kwa hiyo pangia bajeti ukiwa na umbo la mtandao akilini pia.
Kuna tofauti gani kati ya mwisho na mwisho wa utawala wa DTI?
Rais wa mbele DTI anahesabu malipo yako ya nyumba dhidi ya mapato, wakati afisa wa kwanza wa DTI anahesabu deni zote pamoja na nyumba. Kwa kawaida, Wanders hujali zaidi kuhusu idadi ya wale wanaorudisha nyumba; mwongozo wa kawaida uko mbele chini ya asilimia 28 na unarudi chini ya asilimia 36.
Ni madeni gani yanayoelekea DTI?
Kurejesha wajibu wa kila mwezi: mikopo ya rehani au kodi ya nyumba, mikopo ya magari, mikopo ya chini ya mikopo, mikopo ya kibinafsi na utegemezo wa watoto au malipo ya kila siku kama vile huduma za nyumbani, ununuzi wa bidhaa na bima kwa kawaida hayahesabiwi.
Naweza kupunguzaje uwiano wangu wa DTI?
Kulipa mkopo mdogo, kuepuka kukopa, au kulipa deni la chini yote hupunguza kiasi cha pesa kinacholipwa, huku mapato yakiongeza au kuongeza mapato ya kiasi cha fedha.
Je, ninaweza kupata mkopo wa nyumba wenye mshahara mnono?
Nyakati nyingine, wakopeshaji wengi hukopesha rehani za kutosha karibu asilimia 43, lakini programu fulani huruhusu mikopo mikubwa, akiba kubwa au malipo ya chini.
API bustanini hutumia kifaa hiki cha hesabu kutoka kwenye mfumo wa sheria
Ipigie simu kifaa hiki cha kupigia hesabu kama Junse É not doot toder. Chochote unachoacha kinatumia kiwango kilekile cha mwisho ambacho ukurasa huu haujakamilika; parameta isiyojulikana ni 400, si sufuri kimya kamwe. Soma habari kamili za API docs →
keyboard label
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);Matokeo ni makadirio ya mwongozo wa ujumla, si wa kifedha, wa kitiba au wa kodi tu.