Use your ID card to check your personal credit report to check your personal debt ratio.

Personal debt ratio refers to the ratio of personal debt to total personal assets. It is one of the important indicators to measure personal financial risk. Understanding your personal debt ratio is very important for properly planning your financial situation and controlling debt risks. The following are some methods to help check personal debt ratio:

1. Check personal credit report: Personal credit report is an important basis for banks and other financial institutions to evaluate their credit status. You can apply for a personal credit report from a credit bureau, which will include debt information, such as credit card debt, loan balances, etc. By checking your personal credit report, you can understand your debt situation and calculate your personal debt ratio.

2. Calculate a personal balance sheet: A personal balance sheet is a table that lists all assets and liabilities. You can prepare a personal balance sheet yourself, including assets such as real estate, vehicles, deposits, and investments, as well as liabilities such as credit card arrears, loans, and mortgages. An individual's debt ratio can be found by calculating the ratio of total liabilities to total assets.

3. Consult a bank or financial institution: If you have multiple loans or credit card accounts, you can directly contact the bank or financial institution to inquire about your debt situation. Information such as loan balances and credit card debts can be provided to help calculate personal debt ratios.

4. Use online debt calculation tools: There are some online tools that can help calculate personal debt ratios. Just enter the total liabilities and total assets and these tools will automatically calculate the debt ratio. These tools are usually easy to use, but you need to be careful to choose a reliable website or application.

No matter which method you use, understanding your personal debt ratio is important for managing your personal finances. The following are some suggestions to help control personal debt ratio:

1. Develop a reasonable budget: Develop a detailed budget, including income, expenditure and savings plan. Make sure your expenses don't exceed your income and avoid over-borrowing.

2. Prioritize repaying high-interest debts: If there are multiple debts, give priority to repaying high-interest debts. High-interest debt will increase the burden and lead to an increase in the debt ratio.

3. Establish an emergency reserve fund: Establish a sufficient emergency reserve fund to deal with emergencies or unexpected expenses. This avoids borrowing for emergencies.

4. Use credit cards with caution: Credit cards are a convenient method of payment, but they can also easily lead to over-consumption and high-interest debt. Use credit cards carefully and avoid exceeding your ability to repay.

5. Seek professional help: If you feel unable to effectively manage your personal debt, you can seek help from a professional financial advisor or debt manager. Can provide personalized suggestions and solutions.

In summary: It is very important to understand your personal debt ratio and take appropriate measures to control your debt. You can find out how much you owe by checking your credit report, calculating your balance sheet, consulting a bank or financial institution, or using an online debt calculator. At the same time, setting a reasonable budget, prioritizing paying off high-interest debt, building an emergency reserve, using credit cards prudently, and seeking professional help are all effective ways to control your personal debt ratio.

Legal basis:

"People's Republic of China and Civil Code"

Article 535

Because the debtor If the creditor fails to exercise its creditor's rights or the subordinate rights related to the creditor's rights, which affects the realization of the creditor's due creditor's rights, the creditor may request the People's Court to subrogate the debtor's rights against the counterparty in its own name, but this right belongs exclusively to the debtor himself. except.

The scope of exercise of the right of subrogation is limited to the creditor’s due claims. The necessary expenses incurred by the creditor in exercising the right of subrogation shall be borne by the debtor.

The counterparty may assert its defense against the debtor against the creditor.

Article 536

Before the creditor's claim expires, the debtor's claim or the subsequent right related to the claim is about to expire or the debtor fails to declare bankruptcy in a timely manner If the creditor's rights and other circumstances affect the realization of the creditor's rights, the creditor may subrogate the debtor's counterparty to request that the debtor perform the debt, declare to the bankruptcy administrator, or perform necessary actions.

Article 537

If the people's court determines that the right of subrogation is established, the debtor's counterparty shall perform its obligations to the creditor. After the creditor accepts the performance, the creditor and the debtor, and the debtor and the debtor shall The corresponding rights and obligations between the counterparties terminate. If the debtor's creditor's rights against the counterparty or the secondary rights related to the creditor's rights are subject to preservation or enforcement measures, or the debtor becomes bankrupt, it shall be handled in accordance with the provisions of relevant laws.

Article 538

The debtor disposes of property rights and interests without compensation by giving up its creditor's rights, giving up guarantees for creditor's rights, transferring property for free, etc., or maliciously prolongs the performance of its due creditor's rights. If the time limit affects the realization of the creditor's claims, the creditor may request the People's Court to revoke the debtor's behavior.

Article 539

The debtor transfers property at an obviously unreasonable low price, transfers property at an obviously unreasonable high price, or provides guarantee for a person's debt, which affects creditors If the debtor's counterparty knows or should know about the situation, the creditor may request the people's court to revoke the debtor's act.

Article 540

The scope of exercise of the right of revocation is limited to the creditor’s claims. The necessary expenses incurred by the creditor in exercising the right of revocation shall be borne by the debtor.

Article 541

The right of revocation shall be exercised within one year from the date when the creditor knows or should know the reasons for revocation. If the right of revocation is not exercised within five years from the date of the debtor's act, the right of revocation shall be extinguished.

Article 542

If the debtor's actions affecting the realization of the creditor's claims are revoked, they will have no legal binding force from the beginning.