Borrowing capacityEstimate a loan with living costs and a buffer.Loading…
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Use net income for DSTI or gross for a DTI comparison. Include contractual card and credit-line payments. KNF's 40/50% levels require special attention and do not guarantee approval.
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ratio = (payments + card obligations + new payment) ÷ stressed income × 100%DSTI uses net income; DTI gross income; living costs reduce remaining budgetWorked example
Worked example using the form's default values.
Use net income for DSTI or gross for a DTI comparison. Include contractual card and credit-line payments. KNF's 40/50% levels require special attention and do not guarantee approval.
Use the same amount, horizon, dates and cost basis. Check whether the result is monthly or annual and what it includes. The comparison does not select offers or guarantee their availability.
A save is a snapshot. Load and recalculate it explicitly; the original remains a separate save. Check year, dates, units and assumptions before comparing.
A condition needed for the ratio or goal is missing. Correct the indicated value; do not treat this state as a favorable zero result.
Sources, retrieval dates and the next review are in the methodology. You enter prices, returns and forecasts. The calculator does not fetch offers or confirm individual eligibility.
Use net income for DSTI or gross for a DTI comparison. Include contractual card and credit-line payments. KNF's 40/50% levels require special attention and do not guarantee approval.
