Real Estate
Calculate Your DTI Ratio
Calculate your debt-to-income ratio — the key number mortgage lenders use to determine how much you can borrow.
In this article
Rule
Total EMIs / net income। Banks max: 50-60%। Ideal: under 40%। ₹50,000 net, ₹15,000 existing EMIs: DTI 30%। Available for new loan: ₹10,000-15,000 EMI more।
CIBIL
CIBIL score: 750+ for best rates। Check free: CIBIL website, Paytm, BankBazaar। Improve: pay EMIs on time, credit utilization under 30%, dont apply to too many lenders।
⚡ CalcWolf Insight
The single most impactful DTI improvement: pay off credit card balances. Credit cards have the highest minimum payment relative to balance of any debt type. Paying off $5,000 in credit card debt eliminates roughly $150/month in minimum payments — a 2-3% DTI improvement on a typical income.
Frequently asked questions
Max DTI?▾
Banks allow 50-60%। Comfortable: under 40%।
CIBIL important?▾
750+: best rates। Below 700: difficult to get loans। Check free at cibil.com।
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