In the consumer mortgage industry, debt-to-income ratio (often abbreviated DTI) is the percentage of a consumer's monthly gross income that goes toward paying debts. (Speaking precisely, DTIs often cover more than just debts; they can include principal, taxes, fees, and insurance premiums as well. Nevertheless, the term is a set phrase that serves as a convenient, well-understood shorthand.) There are two main kinds of DTI, as discussed below.
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| - Debt-to-income ratio (en)
- 총부채 상환 비율 (ko)
- Wskaźnik debt to income (pl)
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| - In the consumer mortgage industry, debt-to-income ratio (often abbreviated DTI) is the percentage of a consumer's monthly gross income that goes toward paying debts. (Speaking precisely, DTIs often cover more than just debts; they can include principal, taxes, fees, and insurance premiums as well. Nevertheless, the term is a set phrase that serves as a convenient, well-understood shorthand.) There are two main kinds of DTI, as discussed below. (en)
- 총부채 상환 비율(總負債 償還 比率, 영어: debt-to-income ratio 또는 debt income ratio, 간단히 DTI)은 돈을 빌리는 사람이 자신의 소득에 비해 얼마나 많은 원금과 이자를 상환하는가의 비율을 말한다. 총소득에서 부채의 연간 원리금 상환액이 차지하는 비율이다. 금융 부실을 막고 국가 전체의 재무건전성을 높이기 위한 규제수단으로 그 비율과 적용 대상은 정부가 결정한다. 즉 추후 상환 능력을 소득으로 따져 대출 한도를 정하는 것이다. 총부채 상환 비율의 궁극적인 목표는, 무분별한 대출로 빚어지는 문제점들을 사전에 예방하기 위함이다. (ko)
- Wskaźnik debt to income (DtI) – relacja środków przeznaczanych na obsługę zobowiązań kredytowych i innych zobowiązań finansowych do dochodu kredytobiorcy. Wskaźnik ten określa jaka maksymalnie część miesięcznych dochodów kredytobiorcy (pożyczkobiorcy) może zostać przeznaczona przez niego na spłatę kredytu (pożyczki). Wskaźnik ten, obok LTV, jest stosowany jako instrument makroostrożnościowej oceny wiarygodności banków i stabilności sektora finansowego przez agencje ratingowe, czy instytucje nadzoru finansowego itp. (pl)
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| - In the consumer mortgage industry, debt-to-income ratio (often abbreviated DTI) is the percentage of a consumer's monthly gross income that goes toward paying debts. (Speaking precisely, DTIs often cover more than just debts; they can include principal, taxes, fees, and insurance premiums as well. Nevertheless, the term is a set phrase that serves as a convenient, well-understood shorthand.) There are two main kinds of DTI, as discussed below. (en)
- 총부채 상환 비율(總負債 償還 比率, 영어: debt-to-income ratio 또는 debt income ratio, 간단히 DTI)은 돈을 빌리는 사람이 자신의 소득에 비해 얼마나 많은 원금과 이자를 상환하는가의 비율을 말한다. 총소득에서 부채의 연간 원리금 상환액이 차지하는 비율이다. 금융 부실을 막고 국가 전체의 재무건전성을 높이기 위한 규제수단으로 그 비율과 적용 대상은 정부가 결정한다. 즉 추후 상환 능력을 소득으로 따져 대출 한도를 정하는 것이다. 총부채 상환 비율의 궁극적인 목표는, 무분별한 대출로 빚어지는 문제점들을 사전에 예방하기 위함이다. (ko)
- Wskaźnik debt to income (DtI) – relacja środków przeznaczanych na obsługę zobowiązań kredytowych i innych zobowiązań finansowych do dochodu kredytobiorcy. Wskaźnik ten określa jaka maksymalnie część miesięcznych dochodów kredytobiorcy (pożyczkobiorcy) może zostać przeznaczona przez niego na spłatę kredytu (pożyczki). Wskaźnik ten, obok LTV, jest stosowany jako instrument makroostrożnościowej oceny wiarygodności banków i stabilności sektora finansowego przez agencje ratingowe, czy instytucje nadzoru finansowego itp. (pl)
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