3.Hopeful mother carrying a big baby compare garcinia cambogia weight loss Know All About Anadrol great post Check out for Dinitrophenol for sale and see, which of the products are good for your weight loss requirements. You can save as much as 26% without needing to leave the comfort of your home. Simply look for the stores that offer the lowest promotional rates and you can buy Dinitrophenol conveniently. Grab the opportunity of comparing prices to avoid overspending, as there are stores that offer DNP for sale but are not really priced fairly accordingly. Before you decide on buying make, sure you have visited the biggest DNP stores online. If you look closely, stores that carry several DNP products can afford to offer it at the lowest bargain possible. pure garcinia cambogia reviews weight loss This will count among the most important aspects to maintaining a proper juice diet. Ensure that you have an excellent juicer at your disposal since this will be your companion for the entire duration of the program. It should be able to handle six to eight sessions of juicing a day. webpage To understand heart rate training, we first have to understand how our bodies produce energy. We have two major processes that produce energy within our bodies. First, our aerobic metabolism utilizes oxygen combined with carbs and fat to produce our long lasting energy and the energy you are using to read this article. Your second way you produce energy is anaerobically. Your anaerobic metabolism creates energy for short durations of intense activity. Your only source of energy for your anaerobic metabolism is carbohydrates in your blood stream or carbs stored in your muscle cells. So aerobic burns fat and carbs, and anaerobic burns carbs only. weight loss tips for Understand Debt-To-Income Ratio and the calculation | Bebas-Hutang.com

Understand Debt-To-Income Ratio


A debt-to-income ratio indicates a person’s total monthly loan repayments against his gross monthly income. A high ratio indicates that a person may not have enough cash for his monthly needs.

As a general rule, your total monthly repayment on all your loans and credit card debt should not be more than 40% of your gross monthly income.

Let us see the example below to understand further on Debt-To-Income Ratio.

Debt to Income Ratio = Monthly fixed loan repayment / Gross monthly income x 100%

Existing monthly loan repayment,

  • Housing loan = 1000
  • Car loan = 600
  • Personal loan = 200
  • Credit Card = 5% x total outstanding balance. Katakan total OB skang 5000 = 250 (5% x 5000)

Gaji = 4000

Debt to Income Ratio = (1000 + 600 + 200 + 250) / 4000 = 51.25%

From the example above, the debt-to-income ratio is higher than the recommended amount of 40%.

5 Responses to Understand Debt-To-Income Ratio

  1. sheikh says:

    BNM also has made a new guideline by introduce a new debt service ratios
    ( dsr ).


  2. imran says:

    Salam admin,
    baru perasan web ni dah sambung semula setelah lama menyepi.. huhu.. :)

    nak tanya DTI ratio ni digunakan utk loan application ke?
    sekarang lagi susah utk lulus?


  3. sarina says:

    askm..saya nk tanya..saya dah buat loan 20k..gaji 2300. Htg kereta 1120 sebulan..mcm mn saya nak guna od atau plan kwgn yg boleh memudahkan saya menyelesaikan hutang kereta dan belanja bulanan saya


  4. this is just a recommendation right..


  5. MF says:

    skrg, DSR dikira berdasarkan NETT income, bukan lagi GROSS income.

    contoh : gaji RM4000, EPF yg ditolak dari payslip adalah RM400. jadi nett income adalah RM3600 shj.

    DSR : (hutang / 3600) * 100 % = %. DSR ini perlu kurang dari 70 %.


Leave a Reply

Your email address will not be published. Required fields are marked *

Connect with Facebook

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>