What is the Techniques to get a home loan With PNC Lender? Your debt-to-earnings ratio is an additional element of your financial comment. To estimate the debt-to-money proportion, take your month-to-month obligations, eg man support, automobile financing otherwise personal credit card debt, and you may divide by the month-to-month earnings. Whether your salary are $sixty,one hundred thousand a year, the month-to-month pre-income tax earnings was $5,one hundred thousand. When your complete monthly liabilities soon add up to $step 1,150, your debt-to-money proportion is actually 23%. Realize that count because of the splitting $1,150 by $5,000 and you can multiplying of the one hundred. You to percentage helps loan providers see whether you might have enough money readily available having month-to-month mortgage payments.