Debt-to-income ratio (DTI) is the ratio of total debt payments divided by gross income (before tax) expressed as a percentage, usually on either a monthly or annual basis. As a quick example, if someone's monthly income is $1,000 and they spend $480 on debt each month, their DTI ratio is 48%. If they had no debt, their ratio is 0%.

To determine your DTI ratio, simply take your total debt figure and divide it by your income. For instance, if your debt costs $2,000 per month and your monthly income equals $6,000, your DTI is $2,000 ÷ $6,000, or 33 percent.

Her monthly debt payment totals $3,000 per month. This includes her rent payment ($1,900), auto loan payment ($600), student loan payment ($400), and credit card payment ($100). First, we need to calculate the gross monthly income, which is $7,000 ($84,000/12).The DTI ratio is: DTI ratio = $3,000 / $7,000 DTI ratio = 42.86%

Zillow's debt-to-income calculator takes into account your annual income and monthly debts to determine your debt-to-income ratio (DTI). Lenders use DTI as a qualifying factor for a mortgage to determine your home loan eligibility.

2024年1月30日 · Debt-to-income ratio divides your total monthly debt payments by your gross monthly income, giving you a percentage. Here’s what to know about DTI and how to calculate...

1.债务收入比（DTI）是你每月总收入中用来支付每月债务的百分比。 通常，低于36%是比较健康的范围。 2.DTI比率低则表明个人债务与收入之间的平衡良好，银行和其他网贷提供者希望在向潜在借款人发放贷款之前都希望看到较低的DTI。 3. 如果消费者的DTI为15％，则意味着每月总收入的15％用于偿还每月的债务。 相反，较高的DTI可能表示一个人的债务过多，甚至每月赚取的收入不足于还债，这是一个非常危险的个人财务信号。 4.消费者在决定申请新的信贷产品之前，应 …

2024年9月6日 · For example, let’s say you pay $2,000 a month for a mortgage, plus $600 for an auto loan and $400 for credit cards, so your total monthly debt payments are $3,000. If your gross monthly income is $7,000, here’s what your DTI calculation will look like:

前端债务收入比（Front-End DTI）：是指住房相关的债务（如房贷、物业费、房屋保险等）占每月收入的比例。 前端比通常不应超过28%，意味着住房支出不应超过每月收入的28%。

2024年7月1日 · Your debt-to-income (DTI) ratio is an immediate snapshot of your creditworthiness. DTI measures your monthly recurring debt in relation to your gross income. A lower DTI may increase your odds of a loan approval. You might be able to lower your DTI by consolidating higher-interest debt into a personal loan.

2024年5月17日 · Generally, a DTI ratio of 43% or less is accepted by most lenders. However, a DTI ratio higher than 50% is considered high risk, signaling to lenders that the borrower has a high amount of debt and is unlikely to bear the responsibility of repaying a mortgage. Here is a breakdown of DTI ratios and how they are often viewed by mortgage lenders: