Debt-to-income ratio
noundebt-to-in·come ra·tiopronounced DET-too-IN-kum RAY-shee-oh
Last updated 21 April 2026
What does the noun Debt-to-income ratio mean?
Your total debt divided by your gross annual income. A DTI of 6 means you owe six times what you earn in a year. APRA considers a DTI of 6 or above to be high-risk.
Cite this entry
MLA citation: "Debt-to-income ratio." How to Property, 21 Apr. 2026, https://howtoproperty.com.au/definitions/debt-to-income-ratio. Accessed 21 Apr. 2026.
Chicago citation: How to Property. "Debt-to-income ratio." Last modified April 21, 2026. https://howtoproperty.com.au/definitions/debt-to-income-ratio.
APA citation: How to Property. (2026, April 21). Debt-to-income ratio. https://howtoproperty.com.au/definitions/debt-to-income-ratio