28/36 Rule
The 28/36 rule is the traditional affordability guideline used by most mortgage lenders. Your housing payment (principal, interest, taxes, and insurance — PITI) should not exceed 28% of gross monthly income, and your total monthly debt should not exceed 36%. Some lenders approve up to 43% back-end DTI (the Qualified Mortgage cap) or even 50%, but the 36% level is the conservative target that protects against payment stress.
한국어
28/36 규칙은 대부분 은행이 쓰는 전통적 구매력 가이드라인입니다. 주택비(원금·이자·세금·보험, 즉 PITI)는 월 총소득의 28%, 모든 부채는 36%를 넘으면 안 된다는 규칙입니다.
日本語
28/36ルールは、ほとんどの住宅ローン貸し手が使う伝統的な購入力ガイドラインです。住宅費（元金・利息・税・保険、PITI）は総月収の28%、全債務は36%を超えてはいけません。
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