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Determines maximum affordable personal loan amount based on income, debt obligations, and lending ratios.
Formel
Max Loan = Income * DTI Ratio / Monthly Payment Percentage
Trinn-for-trinn guide
- 1Enter monthly gross income
- 2Input existing monthly debt payments
- 3Calculate maximum affordable loan amount
Løste eksempler
Inndata
$5,000 monthly income, $500 debt, targeting 43% DTI
Resultat
Max loan ≈ $60,000 at 5% for 60 months
Standard lending guidelines
Vanlige feil å unngå
- ✕Using net income instead of gross
- ✕Not accounting for front-end ratio limits
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