|
DTI Ratio |
How lenders may view it |
|---|---|
| Below 36% | Generally considered healthy. Debt obligations are likely manageable relative to income. |
| 36%–49% | Moderate debt load. Lenders may look more closely at other factors like your credit score and savings. |
| 50% or higher | Higher risk level. Qualifying for new credit may be more difficult and may come with higher interest rates. |