حاسبة نسبة الدين إلى الدخل – تحقق من DTI
احسب نسبة الدين إلى الدخل (DTI) فوراً. تحقق مما إذا كنت مؤهلاً للحصول على قرض عقاري.
الأسئلة الشائعة
Does DTI include rent payments?
If you're renting and applying for a new mortgage, your future mortgage payment replaces rent in the DTI calculation. Rent you're currently paying is not counted as a debt in DTI for mortgage applications.
What DTI do I need for a mortgage?
For a conventional mortgage, aim for a back-end DTI under 43%. For FHA, 43–50% is possible with strong compensating factors. The lower your DTI, the better your rate and terms will be.
Does student loan deferment reduce my DTI?
Not for mortgage purposes. Most lenders use 0.5–1% of your student loan balance as a monthly payment in DTI calculations, even if loans are in deferment or income-based repayment.
How quickly can I improve my DTI?
Paying off a car loan or credit card can improve DTI immediately. On a $6,000/month income, eliminating a $400/month car payment reduces DTI by 6.7 percentage points — a meaningful improvement for loan qualification.
"نسبة الدين إلى الدخل هي مجموع مدفوعاتك الشهرية للديون مقسومةً على دخلك الشهري الإجمالي. يبحث المقرضون عموماً عن نسبة لا تتجاوز 43%."