HomeCalcPro — 專案計算詳細報告
Tool: 負債收入比DTI計算機 — 免費線上計算機 | HomeCalcPro | 列印時間:
負債收入比DTI計算機 — 免費線上計算機 | HomeCalcPro
負債收入比DTI計算機精準試算，提供行業標準公式與即時測算結果。
Income & Monthly Debt Parameters
Debt-to-Income (DTI) Ratios
Transparent mathematical methodology explained in plain English.
Front-End DTI = (Housing Expenses / Gross Monthly Income) × 100% | Back-End DTI = (Total Monthly Debt / Gross Monthly Income) × 100%Front-end DTI evaluates prospective housing costs (PITI + HOA) against gross monthly income. Back-end DTI evaluates all recurring debt obligations (housing + cards + auto + student loans) against gross monthly income.
Variables Explained:
- Gross Monthly Income: Total pretax monthly earnings across all borrowers.
- Housing Expenses: Proposed monthly mortgage principal, interest, taxes, insurance, and HOA fees (PITI).
- Total Monthly Debt: Housing costs plus all monthly minimum debt payments (credit cards, auto loans, student loans, personal debt).
$8,500 Gross Income with $2,300 Housing & $800 Non-Housing Debt
Evaluating homebuyer qualification under the standard 28/36 benchmark.
- Calculate Front-End DTI: ($2,300 / $8,500) × 100 = 27.06%.
- Calculate Total Recurring Debt: $2,300 + $800 = $3,100.
- Calculate Back-End DTI: ($3,100 / $8,500) × 100 = 36.47%.
- Compare against lending guidelines: Front-end (27.1%) is under the 28% guideline; Back-end (36.5%) is within conventional lender allowance (typically up to 36%–43%).
常見問題解答 (FAQ): 負債收入比DTI計算機
Click any question below to expand quick answers, formulas, and expert tips.
What is a good Debt-to-Income (DTI) ratio for buying a house?
Most conventional mortgage lenders prefer a front-end DTI of 28% or lower and a back-end DTI of 36% or lower (the classic 28/36 rule). However, FHA loans frequently allow back-end DTIs up to 43%–50% with strong compensating factors.
What debts are included in the back-end DTI ratio?
Back-end DTI includes all minimum monthly debt payments reported on your credit bureau: credit card minimums, auto loan payments, student loans, personal loans, child support/alimony, and the proposed housing payment. Non-debt monthly expenses like groceries, utilities, and cell phone bills are excluded.