After that, as it takes time and considerable amounts of cash to drop to the next (lower) mortgage ratio class. (cheesyfinance.nl)
The monthly debt - to - income ratio or residual income the borrower would be taking on with the mortgage (debt.org)
The gross debt service ratio (GDSR) is the percentage of the total of annual mortgage Ratio (GDSR) payment (principal, interest, taxes, heat and half of condominium common element costs, if applicable, plus secondary financing payment and ground rent if applicable) relative to annual household income. (cibc.com)