PITI (Principal, Interest, Taxes, Insurance)
PITI is the four components of a typical mortgage payment: principal (paying down the loan), interest (paying the lender), property taxes (escrowed to pay your local government), and homeowner's insurance (escrowed to pay your insurer). Lenders calculate your front-end DTI using PITI — not just principal and interest — which is why property tax rates and insurance costs directly affect how much house you can afford.
한국어
PITI는 일반적인 모기지 납입금의 4가지 구성 요소입니다: 원금(Principal), 이자(Interest), 재산세(Taxes), 주택보험(Insurance). 은행은 프론트엔드 DTI를 단순 원리금이 아닌 PITI 기준으로 계산해요.
日本語
PITIは典型的な住宅ローン支払いの4要素です：元金・利息・固定資産税・住宅保険。銀行はフロントエンドDTIを元利金だけでなくPITI全体で計算します。
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