Czech mortgage glossary
DSTI — Debt Service to Income
DSTIRatio of total monthly loan payments (mortgage, consumer loans, credit cards, leases) to net monthly income. ČNB sets the limit at 45% for most applicants and 50% for applicants under 36. If you exceed DSTI, the bank may reject the loan — or require a co-applicant, debt reduction, or use of an exception.
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