1. The debt ratio inquired by the bank is calculated as follows:

According to all liabilities (including credit cards and loans) / (income * base), and the credit card debt ratio is generally calculated according to It is calculated based on the credit card's used limit

/available limit. It should be noted that the credit card debt ratio is real-time and will be looked at by the bank during approval. If it is higher, it will also affect the approval

Raise the forehead.

2. The asset-liability ratio refers to the total liabilities in the balance sheet divided by the total assets. It is a ratio value that reflects the company's long-term debt solvency

ability. The greater the asset-liability ratio, the worse the long-term solvency, and vice versa, the better. Extended information:

The calculation formula of household asset-liability ratio is:

Household asset-liability ratio = total household liabilities ÷ total household assets. Next, let’s take an example and calculate it in detail:

Total assets: 850,000 yuan for the first house, 730,000 yuan for the second house, 70,000 yuan for the car, 0 deposit, and a total of 1.65 million yuan.

Total liabilities: Provident fund loan for one house is RMB 300,000, which has been repaid for three years since 2013; loan for second house is RMB 400,000, which has not been repaid yet.

Asset-liability ratio: 70/165=43%.

Credit card debt ratio:

That is, the ratio of total liabilities to total assets, which can reflect the family's comprehensive debt repayment ability. Asset-liability ratio = (total liabilities ÷ total assets). Reference source: Baidu Encyclopedia_Credit Card