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calculate debt to income ratio FAQ

How does a person calculate their debt to income ratio?

Apr 07, 2009 by Joe E | Posted in Personal Finance

So here's the deal. I applied for a home loan and was denied because of debt to income ratio. The confusing part for me is that my rent is more than the monthly calculated payment. I have a high credit score (almost 750), and 2 vehicle pymts. I suppose

The number they used was your expected monthly payment (including taxes and insurance) plus your car payments, plus any credit card payments if you carry a balance.
You can pay off one of your cars to improve the ratio, or look for a cheaper house.

growing inside | Apr 07, 2009

Get rid of one of your vehicle payments will help you the most. Getting rid of both will help twice as much. The ratio is calculated by taking your monthly debt payments divided by monthly gross income. If this is more than 35%, forget about a mor
Ryan M | Apr 07, 2009

When Underwriters calculate debt to income ratio for a refinance, do they use new mortgage pymt or old one?

Mar 20, 2010 by Megs2257 | Posted in Personal Finance

We are currently trying to refi and our current monthly payment is $2400, if we can refi our projected monthly payment will be $1950, both of these number include taxes and insurance.
Do they use gross income or net?

The debt will be based on the new mortgage payment and the income will be your gross income.

doreen k | Mar 21, 2010

they are interested in what the new loan will do to the ratio.
MoneyMonkey | Mar 20, 2010

How do you calculate debt to income ratio?

Mar 23, 2007 by vampire | Posted in Personal Finance


You take your total monthly payments that would appear on your credit report. Such as car payments, credit card payments, and any other loans you might have taken out or co-signed on. Some places would also ask you for your monthly rent payment if

S A | Mar 23, 2007
How do you calculate your debt to income ratio??

Mar 23, 2007 by TUBBY | Posted in Credit


Excellent question! First, figure out your gross income. (I know it makes more sense to use net, but lenders usually go by gross).
Add up all of your expenses. When I say "expenses" I mean everything that you pay on a monthly basis that

YSIC | Mar 23, 2007

calculate debt to income ratio news

SOCGEN: Q2 2011: RESILIENT RESULTS AND INCREASED CAPITAL

03.08.11 QUARTERLY FINANCIAL INFORMATION Paris, August 3rd, 2011 Q2 2011: resilient results and increased capital ¢    Increased revenues** vs. Q2 10: EUR 6.5bn** (+2.1%*) ¢    Decline in the cost of risk confirmed for all businesses: 58 bp*** (-28 bp vs. Q2 10) ¢    Write-down of Greek government bonds: EUR -395m before tax, EUR -268m after tax ¢    Group net income: EUR 747m ¢    Enhanced financial strength of the Group: Core Tier 1 ratio of 9.3% and Tier 1 ratio (Basel 2) of 11.3%((1)) è generation of +0.5
Source: ITNews

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Debt ceiling deal ignores real driver of deficits: healthcare costs
Los Angeles Times - Aug 03, 2011 Debt ceiling deal ignores real driver of deficits: healthcare costs In a recent essay, Yale economist Robert Shiller — co-creator of the authoritative Case-Shiller housing price index — traces today's deficit panic to an overreaction to a misleading headline number: the ratio of government debt to gross domestic

SOCGEN: Q2 2011: RESILIENT RESULTS AND INCREASED CAPITAL
ITNews - Aug 03, 2011 The cost to income ratio was 65.4%** in Q2 11 and 64.0%** in H1 11, reflecting investment efforts to transform the Group and the less buoyant environment in Q2 11 for financial activities. Operating income The Group's gross operating income,

Arcos Dorados Reports Second Quarter 2011 Financial Results
MarketWatch (press release) - Aug 01, 2011 The Company's total financial debt (including derivative instruments) was US$ 573.9 million, with net debt (total financial debt less cash and cash equivalents) of US $ 319.5 million and a Net Debt/Adjusted EBITDA(1) ratio of 1.0x at June 30, 2011.

Debt, income key in obtaining a home mortgage
Tulsa World - Jul 27, 2011 Front-end DTI ratio: This is also called the housing ratio and shows what percentage of your income would go toward your housing expenses, including your monthly mortgage payment, real estate taxes, homeowner's insurance and association dues. Calculate

Debt-to-Income Ratio Matters in Mortgages
LoanSafe - Jul 15, 2011 To calculate the front-end ratio, add up your expected housing expenses and divide the total by how much you earn each month before taxes (gross monthly income). Multiply the result by 100 and that is your front-end DTI ratio.