Borç-Iň-Gelşik Kalkülatory

DTI nisbini hasap et — girdejiden borç töleglerine gidýän paýy.

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Reýding ýa-da ipoteka, töleg we sığorta bilen.
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Netijeler ýazýan wagtyň täzelener.

Bu hasapçy size dogry jogap berdimi?

Bu hasapçy hakda

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.

Köp soralýan soraglar

Näme üçin bu gowy?

36% aşakda saglykly hasaplanýar, 43% bilen köplenç ygtybarly ipoteka üçin üsti. Bundan ýokary, krediterler ret edip ýa-da has köp töleg talap edip bilerler. DTI = total monthly debt ÷ gross monthly income × 100.

DTI umumy ýa-da netis girdeji ulanýarmy?

Kreditörler DTI üçin bruto (satlykdan öň) aýlyk girdeji ulanýar. Bu gatnaşyk, öýe almak üçin tölegden has pes görünýär, şonuň üçin bütinlikde netisiňizi göz öňünde tutup býujet düzüň.

Ön we arka DTI arasy nädip tapawutlanýar?

Front-end DTI diňe öýüň tölegiňizi girdejiňize görä hasaplaýar, back-end DTI bolsa öýüňizden başga ähli borçlary hasaplaýar. Kreditorlar arada back-end san bilen iň köp alada edýärler; bir umumy düzgün front-end 28% aşak we back-end 36% aşak.

Haýsy borçlar DTI-e degişlidir?

Aylyk tekrarlanan borçlar: ipoteka ýa-da kireý, awtoulag karzlary, okuwçylaryň karzlary, minimum kredit kart tölegleri, şahsy karzlar we çaga kömegi ýa-da aliment. Hergünlik karzlar, azyk we sığorta ýalylar esasan hasaplanmaýar.

Men DTI miýesserimi nädip peseldip bilerin?

Ya girdeji ýokarlandyr ýa-da aýlyk borçny azalt. Kiçi bir karz tölemek, täze karz almakdan gaça durmak ýa-da az bir karza refinansirlemek ählisi sançyjyny azaltýar, bir artmak ýa-da girdeji goşmak bolsa atlaýjyny artdyrýar - ikisi hem gatnaşygy aşak çekýär.

Men ýokary DTI bilen ipoteka alyp bilermi?

Sometimes. Many lenders cap qualified mortgages around 43%, but some programs allow higher with strong credit, reserves or a large down payment. A lower DTI generally means easier approval and better rates.

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API — bu hasapçyny koddan ullan

Bu hasapçyny boş JSON ahtar noktasy hökmünde çagyr - açar gerek däl. Aşakdaky meýdança mykdarlaryny soragyň parametrleri ýa-da JSON hökmünde iber. Siziň goýmaýan hernäňiz şu sahypanyň öň bellenen öň bellenenini ulanýar; namydar parametr 400, hiç wagt sessiz sıfır däl. Eňlisçe senedleri oka →

Endpoint

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);

Netijeler diňe umumy ýardam üçin hasaplanypdyr, maliýe, saglyk ýa-da salgyt maslahaty üçin däl.