📊 债务收入比 DTIDebt-to-Income Ratio

使用说明与常见问题How-to & FAQ

「债务收入比 DTI」是什么？What is the Debt-to-Income Ratio tool?

DTI = 月偿债 / 月收入 × 100%。本地处理。可设置「月偿债」、「月收入」。DTI = monthly debt / monthly income × 100%. Processed locally. Settings: Monthly debt, Monthly income.

如何使用「债务收入比 DTI」？How do I use the Debt-to-Income Ratio tool?

填写每月偿债额和每月收入，即可得到债务收入比 DTI = 月偿债 ÷ 月收入 × 100%。结果会随输入实时更新。Enter your monthly debt payments and monthly income to get the debt-to-income ratio, DTI = debt ÷ income × 100%. The result updates as you type.

房贷？Mortgage?

是否计入看贷款机构口径。Whether mortgage counts depends on the lender.

能举个计算实例吗？Can you show a worked example?

例如在「债务收入比 DTI」中填 月偿债 = 1800，月收入 = 6000，结果区显示：DTI %：30For example, entering Monthly debt = 1800, Monthly income = 6000 in the Debt-to-Income Ratio gives: DTI %: 30

哪些输入会被检查？Which inputs are validated?

「债务收入比 DTI」会检查这些输入——「月偿债」：必须填写，不能为负数；「月收入」：必须填写，须大于 0；绝对值超过 10¹⁵ 的数也会被拒绝。不符合时结果区显示具体提示，不会给出数字。The Debt-to-Income Ratio checks its inputs — "Monthly debt": required, cannot be negative; "Monthly income": required, must be greater than 0; numbers above 10¹⁵ in absolute value are rejected too. When a value fails, the result area names the problem instead of showing a number.

有哪些选项可以调整？What options can I adjust?

「债务收入比 DTI」的设置：「月偿债」默认 1800；「月收入」默认 6000。每次生成结果都按当前设置处理。Settings in the Debt-to-Income Ratio — "Monthly debt" default 1800; "Monthly income" default 6000. The result always uses the current settings.

计算结果可以作为最终依据吗？Can I rely on the result?

「债务收入比 DTI」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Debt-to-Income Ratio uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.

「债务收入比 DTI」免费吗？需要注册吗？Is the Debt-to-Income Ratio free? Do I need an account?

「债务收入比 DTI」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Debt-to-Income Ratio is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.