14/09/2024
Episode 06:របៀបគណនាសុខភាពហេរញ្ញវត្ថុរបស់អ្នក
បងប្អូនចង់វិនិយោគក្នុង Rental Property ដើម្បីបង្កើត Passive Income អាចទាក់ទងមកលេខឬតេលេក្រាមខាងក្រោម
Formula:
DTI Ratio = (Total Monthly Debt Payments/Gross Monthly Income)×100
Example:
Monthly debt payments: $1,500
Gross monthly income: $5,000
DTI Ratio = (1,500/5,000) × 100 = 30%
This means 30% of your gross income is used for debt payments.
DTI Ratio:
Below 20%: Excellent
20% to 36%: Good
37% to 43%: Caution Advised
Above 43%: High Risk
Debt-to-Asset Ratio = (Total Liabilities/Total Assets) × 100
Example:
Total liabilities: $100,000
Total assets: $250,000
Debt-to-Asset Ratio = (100,000/250,000) ×100 = 40%
This means that 40% of your assets are financed by debt.
Debt-to-Asset Ratio:
Below 20%: Excellent
20% to 40%: Good
41% to 60%: Caution Advised
Above 60%: High Risk
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