When applying for a mortgage, lenders take into account your financial situation such as credit history, gross monthly income, and the amount of money you have to prepay and They look at your debt-to-income ratio to find out how much you can afford for a home. A debt-to-income ratio (DTI) is a personal finance measure that compares the amount of debt you have to your overall income. Lenders, including issuers of mortgages, use it as a way to measure your ability to manage the payments you make each month and repay the money you have borrowed. When the debt-to-income ratio is low, it means that there is a greater balance between your debt and income, and this gives you a more chance of getting a loan, and conversely, when this ratio is high, lenders think you can not make extra commitments and Your chances of getting a loan will be poor. Expressed as a percentage, a debt-to-income ratio is calculated by dividing total recurring monthly debt by monthly gross income.

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