Which of the following ratios is used to determine ones debt-to-income ratio?

a. 20/28

b. 20/36

c. 28/30

d. 28/36

The following ratios used to determine ones debt-to-income ratio is : d. 28/36

These ratios mean that a person have enough income to handle all of his/her debts. People who involved themselves in the world of finance known as the 28/36, which stated that someone should spend maximum of 28% of gross income on total housing expense and maximum 36% on total debt service