programthreshold95% verified by 5 reviewers
Debt-to-Income Ratio Check
Compute DTI ratio and flag if above 43% threshold
Given / When / Then
GIVENGIVEN a loan applicant with monthly income and debt payments,
WHENWHEN evaluating creditworthiness,
THENTHEN compute DTI ratio and flag if above 43%.
Execution Steps
4 items0
computation
DTI = (debt / income) * 100
→ dti_ratio1
condition
DTI > 43%?
2
output
High DTI
→ risk_flag3
output
Normal DTI
→ risk_flagInputs
2 itemsmonthly_incomeCurrency
monthly_debtCurrency
Outputs
2 itemsdti_ratioPercentage
risk_flagEnum
Supporting Evidence
1 itemsBasel III Framework