Back-End DTI
Back-end DTI is the ratio of all monthly debt (housing plus credit cards, student loans, auto loans, alimony, child support, and other obligations) to gross monthly income. This is the number lenders care about most for approval — the 36% in 28/36. Qualified Mortgage rules cap back-end DTI at 43% for most conventional loans. Some portfolio lenders allow up to 50% with compensating factors like high credit score or large reserves.
한국어
백엔드 DTI는 모든 월 부채(주택비 + 신용카드 + 학자금 등)를 월 총소득으로 나눈 비율. 승인에 가장 중요한 숫자이고, 28/36 규칙의 '36'이 이것.
日本語
バックエンドDTIは、すべての毎月の債務（住宅費＋クレジットカード＋学生ローン等）を総月収で割った比率。承認で最も重要な数字で、28/36ルールの「36」。