DTI stands for Debt to Income Ratios (often abbreviated as DTI). It is an important tool that reflects the borrower's ability to repay loans and will have a huge impact on residents' credit consumption. The IDT ratio is the percentage of total income a consumer pays each month. (To be precise, DTIs often cover more than just debt; they can also include principal, taxes, fees, and insurance premiums.)

The two main types of DTI are represented by the symbols x/y (e.g. ,28/36).

The first DTI, known as the "front-end ratio," indicates the cost of housing as a percentage of income, which is rent for renters and mortgage principal and interest, mortgage insurance premiums ( When applicable), hazard insurance premiums, property taxes, homeowners association dues.

The second DTI, known as the back-end ratio, represents the percentage of revenue that covers all recurring debt payments, including debt covered by the first DTI, as well as other debts such as credit card payments, car loan payments , student loan payments, child support, and alimony payments.