I-Calculator ye-Debt-to-Income Ratio
Khangela isilinganiso sakho se-DTI - isiqephu semali etholakele edlula ekubuyiselweni kwemali.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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.
Imibuzo ebuzwa kaningi
Yini isilinganiso esifanele semali ekhokhwayo nemali etholakalayo?
Below 36% is generally seen as healthy, with 43% often the ceiling for a qualified mortgage. Above that, lenders may decline or charge more. DTI = total monthly debt ÷ gross monthly income × 100.
Ingabe i-DTI isebenzisa imali engenayo ephelele noma encane?
Abadlulisi basebenzisa imali engenayo ephelele (engaphambilini kwezimali) yenyanga ye-DTI. Lokhu kwenza ukuthi isilinganiso sibonakale siphansi kunalokho okuzokwenziwa ngemali ekhokhelwa ekhaya, ngakho-ke ubeke izimali zakho ezincane engqondweni.
Yini ushintsho phakathi kwe front-end ne back-end DTI?
I-front-end DTI ibala kuphela imali yakho yokuqasha ehlobene nemali engenayo, kanti i-back-end DTI ibala yonke imali oyikhokhile kufaka phakathi ikhaya. Abakhokhi bentela bavame ukukhathazeka kakhulu ngosayizi we-back-end; umhlahlandlela ojwayelekile wukuthi i-front-end ingaphansi kuka-28% kanti i-back-end ingaphansi kuka-36%.
Yini ekhokhwa yi-DTI?
Izidingo eziqhubekayo zonyaka: i-hypotheke noma irenti, izimali zemoto, izimali zesifundo, izindleko eziphansi zekhadi le-credit, izimali zomuntu siqu kanye nosizo lwengane noma i-alimoni. Izimali zosuku ngalunye ezifana nezinsizakalo, izitolo zokudlela ne-inshurensi azingenayo.
Ngingayinciphisa kanjani i-ratio yami ye-DTI?
Noma ukhuphule imali engenayo noma ukhuphule izimali zonyaka. Ukukhokha imali engenayo encane, ukuvimbela ukukhokha kabusha, noma ukukhokhela kabusha imali engenayo ephansi konke kunciphisa umlingani, ngenkathi ukhuphula noma ungeza imali engenayo kunciphisa umlingani - zombili zicindezela isilinganiso ngezansi.
Ingabe ngizothola i-hypothek nge-DTI ephakeme?
Ngamanye amaxesha. Abaxhasi abaningi babeka i-cap efanelekayo yama-hypothec engaphezu kuka-43%, kodwa ezinye izinhlelo zivumela okuphezulu nge-credit enamandla, izibopho noma ukukhokha okukhulu. I-DTI ephansi ngokuvamile ibhekisela ekuqinisekiseni okulula nokukhokha okungcono.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.