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Frank Avitia
by Frank Avitia , Managing Director , AIS Investment Services

Calculating your debt to income ratio is as simple as adding up all of your debt and subtracting it from your income.
Some calculations may exclude things like mortgage payments and property taxes, but to really get a complete picture it’s best to include everything.

Moudar Rayes
by Moudar Rayes , Operations Manager - Structured Finance & Syndications , Emirates Islamic Bank

DSCR = (Annual Net Income + Amortization/Depreciation + Interest Expense + other non-cash and discretionary items (such as non-contractual management bonuses)) / (Principal Repayment + Interest payments + Lease payments)

Muhammad Afaq
by Muhammad Afaq , SENIOR FINANCIAL ACCOUNTANT , United Eddy Company (United Yousef M. Naghi Group)

Debt ratio is a financial ratio.
It is used to measure the proportion of debt financing in making up total assets.
Its formula is total Liabilities/Total Assets.
It is a good measure to reveal the degree of liquidity risk of a company in terms of financial risk.

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