High DTI...Loan Approval ko Kaise Nuksan Pahunchata Hai?

Navia Markets

Loan approval sirf income par depend nahi karta.   Debt-to-Income Ratio (DTI) ek important financial metric hai jo income aur existing debt ka balance dikhata hai.   Is short video mein samjhiye DTI kya hota hai, kaise calculate hota hai aur financial planning mein iska role kyun important hai.   #DebtToIncomeRatio #DTI #PersonalFinanceIndia #FinancialLiteracy #MoneyManagement #LoanEligibility #DebtManagement #CreditAwareness #FinanceShorts #FinanceEducation #MoneyTips #FinancialPlanning #BudgetPlanning #EMI #CreditScore #MoneyMindset #FinancialAwareness #FinanceIndia #LoanTips #SmartMoney #YouTubeShorts #MoneyEducation #FinancialWellness #InvestSmart #MoneyGoals #FinanceLearning #ShortsIndia #FinanceCreator #LoanEducation #NaviaAllInOneApp   Disclaimer:   Investment in the securities market is subject to market risks. Read all related documents carefully before investing. This video is for educational purposes and not financial advice

Transcript

00:00So, chathar loan apply kareenge, naya kare lenge.

00:03Par bank nai bola, sorry your DTI is too high.

00:06Wait, DTI?

00:08Kya hotha hai yye?

00:11DTI yarni debt to income ratio.

00:13Simple basha mein yye bata ta hai ki aap kitnay income ka kitna hissah

00:18har mahinay udar chukane mein laga raha hai ho.

00:21Agar aap zyadha udar mein ho aur kam kama raha hai ho.

00:24How to calculate it?

00:25DTI ka formula simple hai.

00:27Matlab, agar aap har mahinay 25,000 ka EMI bhar rahe ho

00:32aur aapki income 1 lakh hai,

00:34so DTI is equal to 25,000 by 1 lakh into 100 is equal to 25%.

00:40Aap DTI ka number kya hona chahiye?

00:4320% to 35% sahih hai.

00:4636% to 43% manageable,

00:49lakin dhyan dhenne ki zharoarat hai.

00:5144% and plus red alert,

00:54loan minna muskil ho saktah hai.

00:56Why is it important?

00:58Bang, jab aapka loan decide karthai hai,

01:00to credit score ke saath DTI bhi dhekhtai hai.

01:04Zyada DTI is equal to zyada risk,

01:06is equal to loan reject bhi ho saktah hai.

01:09Pro tips to maintain good DTI.

01:11Debt kam kharo.

01:12Sab se pahle high interest loon sniptao,

01:15income badao,

01:17side hustle,

01:17promotion,

01:18kuch bhi.

01:19Loan lene se pahle,

01:21DTI calculate zaroor karo.

01:22Agle baar,

01:23loan lene se pahle,

01:24sirf documents mat dekho.

01:26DTI bhi chek kharo, boss.

01:28Investment and securities market are subject to market risk.

01:30Read all the related documents carefully before investing.

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