One's mortgage payment is central to calculating total debt for Debt to Income Ratio (DTIR). I own my house with my partner (we're not married), and it's not clear to me if my personal DTIR would include the total mortgage amount or 50% of it since the property and costs are shared.
I suppose this question could extrapolate to other debts that are shared such as car and credit card payments (for the back-end calculations).
What do you think? Would banks include 100% or 50% of the mortgage to my debt calculation?
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