Calculate your debt-to-income ratio
The Debt-to-Income (DTI) ratio is a personal finance measure that compares your total monthly debt payments (like credit cards, loans, mortgages) to your gross monthly income (before taxes). It is expressed as a percentage.
Lenders generally prefer a DTI ratio of 36% or lower. A DTI ratio below 36% indicates a healthy balance between debt and income. A DTI ratio above 43% is typically considered high-risk and may make it difficult to qualify for a mortgage.
No, your Debt-to-Income ratio is not reported on your credit report and does not directly affect your credit score. However, lenders look at both your credit score and DTI ratio when evaluating your creditworthiness.
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