# Back-end ratio,BER,back-end debt-to-income ratio,BEDTI,BEDTIR

### Formula or Equation

 BER back-end ratio,BER,back-end debt-to-income ratio,BEDTI,BEDTIR MPI mortgage principal and interest,MPI,MPAI MIP mortgage insurance premium,MIP HIP hazard insurance premium,HIP PT property taxes,PT HAD homeowners' association dues,HAD CCP credit card payments,CCP CLP car loan payments,CLP SLP student loan payments,SLP CSP child support payments,CSP AP alimony payments,AP LJP legal judgments payments,LJP OF other fee,OF GMI gross monthly income,GMI

### Formula or Equation Note

Back-end ratio is the percentage of income that goes toward paying all recurring debt payments, including those covered by front-end ratio, and other debts such as credit card payments, car loan payments, student loan payments, child support payments, alimony payments, and legal judgments. Back-end ration should not be more than 36% for a new loan.

### Calculator(how to use calculator?)

Mortgage principal and interest (MPI)
Mortgage insurance premium (MIP)
Hazard insurance premium (HIP)
Property taxes (PT)
Homeowners' association dues (HAD)
Credit card payments (CCP)
Car loan payments (CLP)
Student loan payments (SLP)
Child support payments (CSP)
Alimony payments (AP)
Legal judgments payments (LJP)
Other fee (OF)
Gross monthly income (GMI)
Back-end ratio (BER)
Precision

### References

1. Wikipedia article: Debt-to-income ratio.

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