DTI (Debt-to-Income Ratio)
Debt-to-Income ratio is your total monthly debt payments divided by your gross monthly income, expressed as a percent. Lenders use two versions: front-end DTI (housing costs only) and back-end DTI (all debt including housing). Most conventional loans cap back-end DTI at 45%–50%, with the 36% level producing the best interest rates. DTI is the single most important factor in mortgage approval for most borrowers — larger than credit score for qualified loans.
한국어
DTI(부채대비소득)는 월 총 부채 납입액을 월 총소득으로 나눈 비율입니다. 은행은 프론트엔드(주택비만)와 백엔드(모든 부채) 두 버전을 봅니다. 대부분 컨벤셔널 대출은 백엔드 DTI 45~50%를 상한으로, 36% 이하에서 가장 좋은 금리가 나옵니다.
日本語
DTI（債務対収入比率）は、毎月の総債務返済額を総月収で割ったパーセント値です。銀行はフロントエンド（住宅費のみ）とバックエンド（すべての債務）の2種類を見ます。通常のローンでは45〜50%が上限で、36%以下が最良金利の目安です。