DTI / GMI ratios

DTI/GMI ratios — the debt-to-income family of underwriting caps: your total amortizations must fit inside a share of income. Pag-IBIG caps amortization at ~35% of gross monthly income; banks run 30–40% variants on their own income measures. The planning consequence for the self-employed: the ratio runs on declared income, so every ₱100k left off the ITR deletes roughly ₱1.5–2M of mortgage capacity — the arithmetic behind the course’s honest-ITRs doctrine.

First used in: 3.2 · The PH credit machine