Calculating GDS / TDS

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onclick="dl_Navigation('menu','Prohibition on the Purchase of Residential Property by Non-Canadians Act – Frequently asked questions');" href="/professionals/housing-markets-data-and-research/housing-research/consultations/prohibition-purchase-residential-property-non-canadians-act/faq" class=" ">Prohibition on the Purchase of Residential Property by Non-Canadians Act – Frequently asked questions</a></li> </ul> </li> </ul> </li> <li><a onclick="dl_Navigation('menu','Housing research reports');" href="/professionals/housing-markets-data-and-research/housing-research/research-reports" class=" ">Housing research reports</a></li> <li> <a onclick="dl_Navigation('menu','Housing surveys');" href="/professionals/housing-markets-data-and-research/housing-research/surveys" class=" ">Housing surveys</a> <ul> <li><a onclick="dl_Navigation('menu','Mortgage consumer surveys');" href="/professionals/housing-markets-data-and-research/housing-research/surveys/mortgage-consumer-surveys" class=" ">Mortgage consumer surveys</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','Research awards and scholarships');" href="/professionals/housing-markets-data-and-research/housing-research/awards-and-scholarships" class=" ">Research awards and scholarships</a></li> <li><a onclick="dl_Navigation('menu','Understanding core housing need');" href="/professionals/housing-markets-data-and-research/housing-research/core-housing-need" class=" ">Understanding core housing need</a></li> <li><a onclick="dl_Navigation('menu','Collaborative Housing Research Network');" href="/professionals/housing-markets-data-and-research/housing-research/collaborative-housing-research-network" class=" ">Collaborative Housing Research Network</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Housing data');" href="/professionals/housing-markets-data-and-research/housing-data" class=" ">Housing data</a> <ul> <li> <a onclick="dl_Navigation('menu','Data tables');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables" class=" ">Data tables</a> <ul> <li><a onclick="dl_Navigation('menu','Household characteristics data');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables/household-characteristics" class=" ">Household characteristics data</a></li> <li><a onclick="dl_Navigation('menu','Housing market data');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables/housing-market-data" class=" ">Housing market data</a></li> <li><a onclick="dl_Navigation('menu','Mortgage and debt data');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables/mortgage-and-debt" class=" ">Mortgage and debt data</a></li> <li><a onclick="dl_Navigation('menu','Rental market data');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables/rental-market" class=" ">Rental market data</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','Housing market information portal');" href="https://www.cmhc-schl.gc.ca/hmiportal" class=" ">Housing market information portal</a></li> <li><a onclick="dl_Navigation('menu','Residential Mortgage Industry Data Dashboard');" href="/professionals/housing-markets-data-and-research/housing-data/residential-mortgage-industry-data-dashboard" class=" ">Residential Mortgage Industry Data Dashboard</a></li> <li><a onclick="dl_Navigation('menu','CMHC licence agreement for the use of data');" href="/professionals/housing-markets-data-and-research/housing-data/cmhc-licence-agreement-use-of-data" class=" ">CMHC licence agreement for the use of data</a></li> <li><a onclick="dl_Navigation('menu','Housing Knowledge Centre');" href="/library?rdlink=1" class=" ">Housing Knowledge Centre</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Industry innovation and leadership');" href="/professionals/industry-innovation-and-leadership" class=" ">Industry innovation and leadership</a> <ul> <li><a onclick="dl_Navigation('menu','Housing innovation');" href="/professionals/industry-innovation-and-leadership/housing-innovation" class=" ">Housing innovation</a></li> <li> <a onclick="dl_Navigation('menu','Our Partners');" href="/professionals/industry-innovation-and-leadership/our-partners" class=" ">Our Partners</a> <ul> <li><a onclick="dl_Navigation('menu','Partnerships');" href="/professionals/industry-innovation-and-leadership/our-partners/partnerships" class=" ">Partnerships</a></li> <li> <a onclick="dl_Navigation('menu','Federal, Provincial and Territorial Forum on Housing');" href="/professionals/industry-innovation-and-leadership/our-partners/partnering-provinces-territories" class=" ">Federal, Provincial and Territorial Forum on Housing</a> <ul> <li><a onclick="dl_Navigation('menu','Resources for Members of the Federal, Provincial and Territorial Forum on Housing');" href="/professionals/industry-innovation-and-leadership/our-partners/partnering-provinces-territories/protected-content" class=" ">Resources for Members of the Federal, Provincial and Territorial Forum on Housing</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Industry collaboration');" href="/professionals/industry-innovation-and-leadership/industry-collaboration" class=" ">Industry collaboration</a> <ul> <li><a onclick="dl_Navigation('menu','Expert Community on Housing (ECoH)');" href="/professionals/industry-innovation-and-leadership/industry-collaboration/expert-community-on-housing" class=" ">Expert Community on Housing (ECoH)</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Industry expertise');" href="/professionals/industry-innovation-and-leadership/industry-expertise" class=" ">Industry expertise</a> <ul> <li><a onclick="dl_Navigation('menu','Affordable housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/affordable-housing" class=" ">Affordable housing</a></li> <li><a onclick="dl_Navigation('menu','Indigenous housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/indigenous-housing" class=" ">Indigenous housing </a></li> <li><a onclick="dl_Navigation('menu','Senior housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/senior-housing" class=" ">Senior housing</a></li> <li><a onclick="dl_Navigation('menu','Accessible and adaptable housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/accessible-adaptable-housing" class=" ">Accessible and adaptable housing</a></li> <li><a onclick="dl_Navigation('menu','Developing sustainable housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/sustainable-housing" class=" ">Developing sustainable housing</a></li> <li><a onclick="dl_Navigation('menu','Resources for mortgage professionals');" href="/professionals/industry-innovation-and-leadership/industry-expertise/resources-for-mortgage-professionals" class=" ">Resources for mortgage professionals</a></li> <li><a onclick="dl_Navigation('menu','CMHC newsletters');" href="/cmhc-enewsletters?rdlink=1" class=" ">CMHC newsletters</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Events and speakers');" href="/professionals/events-and-speakers" class=" ">Events and speakers</a> <ul> <li> <a onclick="dl_Navigation('menu','Conferences');" href="/professionals/events-and-speakers/conferences" class=" ">Conferences</a> <ul> <li> <a onclick="dl_Navigation('menu','2024 National Housing Conference');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024" class=" ">2024 National Housing Conference</a> <ul> <li><a onclick="dl_Navigation('menu','About');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/about" class=" ">About</a></li> <li><a onclick="dl_Navigation('menu','National Housing Conference - Agenda');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/agenda" class=" ">National Housing Conference - Agenda</a></li> <li><a onclick="dl_Navigation('menu','Location');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/location" class=" ">Location</a></li> <li><a onclick="dl_Navigation('menu','InnoZone');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/innozone" class=" ">InnoZone</a></li> <li><a onclick="dl_Navigation('menu','Details for participants');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/participants" class=" ">Details for participants</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Speakers’ bureau');" href="/professionals/events-and-speakers/speakers-bureau" class=" ">Speakers’ bureau</a> <ul> <li><a onclick="dl_Navigation('menu','Kevin Hughes');" href="/professionals/events-and-speakers/speakers-bureau/kevin-hughes-profile" class=" ">Kevin Hughes</a></li> </ul> </li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Consumers');" href="/consumers" class=" ">Consumers</a> <ul> <li> <a onclick="dl_Navigation('menu','Buying a home');" href="/consumers/home-buying" class=" ">Buying a home</a> <ul> <li> <a onclick="dl_Navigation('menu','Homebuying calculators');" href="/consumers/home-buying/calculators" class=" ">Homebuying calculators</a> <ul> <li><a onclick="dl_Navigation('menu','Mortgage calculator');" href="/consumers/home-buying/calculators/mortgage-calculator" class=" ">Mortgage calculator</a></li> <li><a onclick="dl_Navigation('menu','Affordability calculator');" href="/consumers/home-buying/calculators/affordability-calculator" class=" ">Affordability calculator</a></li> <li><a onclick="dl_Navigation('menu','Debt service calculator');" href="/consumers/home-buying/calculators/debt-service-calculator" class=" ">Debt service calculator</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Buying guides');" href="/consumers/home-buying/buying-guides" class=" ">Buying guides</a> <ul> <li><a onclick="dl_Navigation('menu','Homebuying step by step');" href="/consumers/home-buying/buying-guides/home-buying" class=" ">Homebuying step by step</a></li> <li><a onclick="dl_Navigation('menu','CMHC's condominium buyer's guide');" href="/consumers/home-buying/buying-guides/condominium" class=" ">CMHC's condominium buyer's guide</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Mortgage loan insurance for consumers');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers" class=" ">Mortgage loan insurance for consumers</a> <ul> <li><a onclick="dl_Navigation('menu','What is CMHC mortgage loan insurance?');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/what-is-mortgage-loan-insurance" class=" ">What is CMHC mortgage loan insurance?</a></li> <li><a onclick="dl_Navigation('menu','Do I qualify for mortgage loan insurance?');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/what-are-the-general-requirements-to-qualify-for-homeowner-mortgage-loan-insurance" class=" ">Do I qualify for mortgage loan insurance?</a></li> <li><a onclick="dl_Navigation('menu','CMHC mortgage loan insurance costs');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-mortgage-loan-insurance-cost" class=" ">CMHC mortgage loan insurance costs</a></li> <li> <a onclick="dl_Navigation('menu','CMHC's Eco Products');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products" class=" ">CMHC's Eco Products</a> <ul> <li><a onclick="dl_Navigation('menu','CMHC’s Eco Improvement');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-improvement" class=" ">CMHC’s Eco Improvement</a></li> <li><a onclick="dl_Navigation('menu','CMHC Eco Plus');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-plus" class=" ">CMHC Eco Plus</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','CMHC — home renovation financing options');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-home-renovation-financing-options" class=" ">CMHC — home renovation financing options</a></li> <li><a onclick="dl_Navigation('menu','FAQs — mortgage loan insurance');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/faqs-mortgage-loan-insurance" class=" "> FAQs — mortgage loan insurance</a></li> <li><a onclick="dl_Navigation('menu','COVID-19: understanding mortgage payment deferral');" href="/professionals/industry-innovation-and-leadership/industry-expertise/resources-for-mortgage-professionals/covid19-understanding-mortgage-payment-deferral?rdlink=1" class=" ">COVID-19: understanding mortgage payment deferral</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','Incentives for homebuyers');" href="/consumers/home-buying/government-of-canada-programs-to-support-homebuyers" class=" ">Incentives for homebuyers</a></li> <li><a onclick="dl_Navigation('menu','Newcomers');" href="/consumers/home-buying/newcomers" class=" ">Newcomers</a></li> <li><a onclick="dl_Navigation('menu','The First-Time Home Buyer Incentive');" href="/consumers/home-buying/first-time-home-buyer-incentive" class=" ">The First-Time Home Buyer Incentive</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Owning a home');" href="/consumers/owning-a-home" class=" ">Owning a home</a> <ul> <li> <a onclick="dl_Navigation('menu','Manage your mortgage');" href="/consumers/owning-a-home/mortgage-management" class=" ">Manage your mortgage </a> <ul> <li><a onclick="dl_Navigation('menu','Mortgage fraud');" href="/consumers/owning-a-home/mortgage-management/mortgage-fraud" class=" ">Mortgage fraud</a></li> <li><a onclick="dl_Navigation('menu','Mortgage planning tips');" href="/consumers/owning-a-home/mortgage-management/mortgage-planning-tips-cmhc" class=" ">Mortgage planning tips</a></li> <li><a onclick="dl_Navigation('menu','Plan and manage your mortgage');" href="/consumers/owning-a-home/mortgage-management/plan-and-manage-your-mortgage" class=" ">Plan and manage your mortgage</a></li> <li><a onclick="dl_Navigation('menu','Your credit report');" href="/consumers/owning-a-home/mortgage-management/your-credit-report" class=" ">Your credit report</a></li> <li><a onclick="dl_Navigation('menu','Your home value');" href="/consumers/owning-a-home/mortgage-management/your-home-value" class=" ">Your home value</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Aging in place');" href="/consumers/owning-a-home/aging-in-place" class=" ">Aging in place</a> <ul> <li><a onclick="dl_Navigation('menu','Housing options for Seniors');" href="/consumers/owning-a-home/aging-in-place/housing-options-for-seniors" class=" ">Housing options for Seniors</a></li> <li><a onclick="dl_Navigation('menu','Housing and finance tips');" href="/consumers/owning-a-home/aging-in-place/housing-and-finance-tips" class=" ">Housing and finance tips</a></li> <li><a onclick="dl_Navigation('menu','Mortgage financing options for people 55+');" href="/consumers/owning-a-home/aging-in-place/mortgage-financing-options-for-people-55-and-above" class=" ">Mortgage financing options for people 55+</a></li> <li><a onclick="dl_Navigation('menu','Preventing fraud and financial abuse');" href="/consumers/owning-a-home/aging-in-place/preventing-fraud-and-financial-abuse" class=" ">Preventing fraud and financial abuse</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Renting a home');" href="/consumers/renting-a-home" class=" ">Renting a home </a> <ul> <li> <a onclick="dl_Navigation('menu','I want to rent');" href="/consumers/renting-a-home/i-want-to-rent" class=" ">I want to rent</a> <ul> <li><a onclick="dl_Navigation('menu','Things to consider before renting');" href="/consumers/renting-a-home/i-want-to-rent/things-to-consider-before-renting" class=" ">Things to consider before renting</a></li> <li><a onclick="dl_Navigation('menu','Types of housing for rent in Canada');" href="/consumers/renting-a-home/i-want-to-rent/types-of-housing-for-rent-in-canada" class=" ">Types of housing for rent in Canada</a></li> <li><a onclick="dl_Navigation('menu','Finding or advertising a rental property');" href="/consumers/renting-a-home/i-want-to-rent/finding-or-advertising-a-rental-property" class=" ">Finding or advertising a rental property</a></li> <li><a onclick="dl_Navigation('menu','Visiting the rental property');" href="/consumers/renting-a-home/i-want-to-rent/visiting-the-rental-property" class=" ">Visiting the rental property</a></li> <li><a onclick="dl_Navigation('menu','Lease and rental agreements');" href="/consumers/renting-a-home/i-want-to-rent/lease-and-rental-agreements" class=" ">Lease and rental agreements</a></li> <li><a onclick="dl_Navigation('menu','Signing the lease');" href="/consumers/renting-a-home/i-want-to-rent/signing-lease" class=" ">Signing the lease</a></li> <li><a onclick="dl_Navigation('menu','Credit checks and bad credit');" href="/consumers/renting-a-home/i-want-to-rent/credit-checks-and-bad-credit" class=" ">Credit checks and bad credit</a></li> <li><a onclick="dl_Navigation('menu','Rental payments and deposits<br>');" href="/consumers/renting-a-home/i-want-to-rent/rental-payments-and-deposits" class=" ">Rental payments and deposits<br></a></li> <li><a onclick="dl_Navigation('menu','Roommates and pets');" href="/consumers/renting-a-home/i-want-to-rent/roommates-and-pets" class=" ">Roommates and pets</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','I am renting');" href="/consumers/renting-a-home/i-am-renting" class=" ">I am renting</a> <ul> <li><a onclick="dl_Navigation('menu','Moving day');" href="/consumers/renting-a-home/i-am-renting/moving-day" class=" ">Moving day</a></li> <li><a onclick="dl_Navigation('menu','Landlord/Tenant responsibilities');" href="/consumers/renting-a-home/i-am-renting/landlord-tenant-responsibilities" class=" ">Landlord/Tenant responsibilities</a></li> <li><a onclick="dl_Navigation('menu','Inspections');" href="/consumers/renting-a-home/i-am-renting/inspections" class=" ">Inspections</a></li> <li><a onclick="dl_Navigation('menu','Maintenance and repairs');" href="/consumers/renting-a-home/i-am-renting/maintenance-repairs" class=" ">Maintenance and repairs</a></li> <li><a onclick="dl_Navigation('menu','Complaints and evictions');" href="/consumers/renting-a-home/i-am-renting/compliants-evictions" class=" ">Complaints and evictions</a></li> <li><a onclick="dl_Navigation('menu','Rent increases');" href="/consumers/renting-a-home/i-am-renting/rent-increases" class=" ">Rent increases</a></li> <li><a onclick="dl_Navigation('menu','When you can't pay rent');" href="/consumers/renting-a-home/i-am-renting/when-you-cant-pay-rent" class=" ">When you can't pay rent</a></li> <li><a onclick="dl_Navigation('menu','Renewing or terminating the lease');" href="/consumers/renting-a-home/i-am-renting/renewing-or-terminating-lease" class=" ">Renewing or terminating the lease</a></li> <li><a onclick="dl_Navigation('menu','Moving out');" href="/consumers/renting-a-home/i-am-renting/moving-out" class=" ">Moving out</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','One-Time Top-Up to the Canada Housing Benefit');" href="/consumers/renting-a-home/one-time-top-up-canada-housing-benefit" class=" ">One-Time Top-Up to the Canada Housing Benefit</a></li> <li><a onclick="dl_Navigation('menu','COVID&#8209;19: eviction bans and suspensions to support renters');" href="/consumers/renting-a-home/covid-19-eviction-bans-and-suspensions-to-support-renters" class=" ">COVID‑19: eviction bans and suspensions to support renters</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','About CMHC');" href="/about-us" class=" ">About CMHC</a> <ul> <li><a onclick="dl_Navigation('menu','CMHC’s goals, values and commitment to housing');" href="/about-us/cmhcs-story" class=" ">CMHC’s goals, values and commitment to housing</a></li> <li><a onclick="dl_Navigation('menu','Discover Life at CMHC');" href="https://www.cmhc-schl.gc.ca/en/working-at-cmhc" class=" ">Discover Life at CMHC</a></li> <li> <a onclick="dl_Navigation('menu','Management and governance');" href="/about-us/management-and-governance" class=" ">Management and governance</a> <ul> <li><a onclick="dl_Navigation('menu','Speakers’ bureau');" href="/professionals/events-and-speakers/speakers-bureau?rdlink=1" class=" ">Speakers’ bureau</a></li> <li><a onclick="dl_Navigation('menu','CMHC's Annual Public Meeting');" href="/about-us/management-and-governance/annual-public-meeting" class=" ">CMHC's Annual Public Meeting</a></li> <li><a onclick="dl_Navigation('menu','CMHC’s board of directors and committees');" href="/about-us/management-and-governance/board-of-directors-and-its-committees" class=" ">CMHC’s board of directors and committees</a></li> <li><a onclick="dl_Navigation('menu','Our management committee');" href="/about-us/management-and-governance/our-management-committee" class=" ">Our management committee</a></li> <li> <a onclick="dl_Navigation('menu','Pension governance');" href="/about-us/management-and-governance/pension-and-governance-at-cmhc" class=" ">Pension governance</a> <ul> <li><a onclick="dl_Navigation('menu','Pension overview');" href="/about-us/management-and-governance/pension-and-governance-at-cmhc/pension-overview" class=" ">Pension overview</a></li> <li><a onclick="dl_Navigation('menu','Key roles and responsibilities');" href="/about-us/management-and-governance/pension-and-governance-at-cmhc/key-roles-and-responsibilities" class=" ">Key roles and responsibilities</a></li> <li><a onclick="dl_Navigation('menu','Annual reports');" href="/about-us/management-and-governance/pension-and-governance-at-cmhc/annual-reports" class=" ">Annual reports</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Corporate reporting');" href="/about-us/corporate-reporting" class=" ">Corporate reporting</a> <ul> <li><a onclick="dl_Navigation('menu','CMHC’s 2023 Annual Report');" href="/about-us/corporate-reporting/cmhc-annual-report" class=" ">CMHC’s 2023 Annual Report</a></li> <li><a onclick="dl_Navigation('menu','Program evaluation');" href="/about-us/corporate-reporting/program-evaluation" class=" 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$('#sharesuccess').modal(); resetSocialCaptcha(); return false; }, error: function (err) { resetSocialCaptcha(); $("#email").find('input').prop("disabled", false); console.log(err); } }); } }); }); </script>  <article class="guide-page ia-textlayout"> <section class="clearfix"> <div class="text-component ia-text "> <p> To receive the best quality decisions in the shortest timeframe, here is some information on the treatment of the key inputs used to calculate a borrower’s debt service ratios. </p> <p> </p> <div class="featureBanner" style="text-align: center"> <h2>Gross Debt Service Formula:</h2> <span style=" margin: 0px auto; padding: 0px 15px 15px; width: 70%; border-bottom: 1px solid rgb(51, 51, 51); display: block; " >Principal + Interest + Taxes + Heat</span ><span style="margin: 0px auto; padding: 15px; display: block" >Gross Annual Income</span > </div> <p> </p> <div class="featureBanner" style="text-align: center"> <h2>Total Debt Service Ratio Formula:</h2> <span style=" margin: 0px auto; padding: 0px 15px 15px; width: 75%; border-bottom: 1px solid rgb(51, 51, 51); display: block; " >Principal + Interest + Taxes + Heat + Other Debt Obligations</span ><span style="margin: 0px auto; padding: 15px; display: block" >Gross Annual Income</span > </div> <p style="clear: both"><strong> </strong></p> <p style="clear: both"> <strong>Debt Service Ratios:</strong> CMHC restricts debt service ratios to 39% (GDS) and 44% (TDS). </p> <p> <strong>Principal and Interest*:</strong> Payments should be based on the applicable amortization period and loan amount, including the CMHC premium. </p> <p><strong>Taxes:</strong> Include the property tax amount.</p> <p> <strong>Condo Fees and Site or Ground Rent:</strong> If applicable, 50% of the condominium fees must be included in the GDS and TDS calculations. For chattel or leasehold loans, 100% of site or ground rent must be included. </p> <p> <strong>Heat Costs:</strong> Mortgage professionals are expected to ask the prospective borrower what the monthly heating costs are for the subject property and use the actual heat cost records, if provided by the prospective borrower. Where no history is readily available, the heat costs used must be a reasonable estimate taking into consideration factors such as property size, location and/or type of heating system. Such estimates are to be based on a sound rationale, providing an accurate estimate that is reflective of the characteristics of the property being purchased. </p> <p><strong>Other Debt Obligations:</strong></p> <ul> <li> Other debt obligations include revolving credit (i.e. credit card debts, lines of credit), personal loans or car loans, etc. For unsecured lines of credit and credit cards, factor in a monthly payment amount corresponding to no less than 3% of the outstanding balance. In determining the amount of revolving credit that should be accounted for, lenders should ensure that they make a reasonable inquiry into the background, credit history and borrowing behaviour of the prospective borrower. </li> <li> For secured lines of credit, factor in an amount corresponding to at least a monthly payment on the outstanding balance amortized over 25 years using the contract rate (or the benchmark rate if contract rate is unknown). Lenders may elect to apply their own internal guidelines where the result is at least equivalent to the above. </li> </ul> <p> <strong>Rental Income:</strong> Rental income can be included in the calculation of the debt service ratios and form part of the prospective borrower’s total gross annual income. The approach used will depend on the nature of the application for mortgage loan insurance and information available. For instance, when the property is the subject of the mortgage loan insurance application : </p> <ul> <li> up to 50% of gross rental income can form part of the borrower’s gross annual income, and taxes and heat can be excluded in the calculation of debt service ratios; </li> <li> for a two-unit owner-occupied property, CMHC will consider up to 100% of gross rental income from the secondary suite. </li> </ul> <p> For investment (rental) properties that are not the subject of the mortgage loan insurance application, net rental income can form part of the borrower’s gross annual income. </p> <p class="small_text"> <strong>*</strong> The qualifying interest rate for all fixed, adjustable, and variable (standard or capped) rate mortgages is the greater of the contract interest rate plus 2 per cent, or 5.25 per cent. The requirement applies to all mortgage terms (each component of mortgages with multiple interest rates must be qualified). </p> <p> Various conditions and requirements may apply. For additional information contact your local <a href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/contact-mortgage-loan-insurance" >Account Manager, Client Relations</a > or 1-888 GOemili (1-888-463-6454). </p> </div> </section> </article>   <div class="feedback clear-fix"> <div class="relevant" tabindex="0"> <h2>Was this page relevant to your needs?</h2> <div class="button-panel"> <input type="button" onclick="dl_Relevancefeedback('yes');" value="Yes" class="secondary button-sm relevant-yes"> <input type="button" onclick="handleNoClick();" value="No" class="secondary button-sm relevant-no"> </div> <div class="vertical-line" id="verticalLine"> </div> </div> <div class="relevant-yes hidden"> <p>Thank you for your feedback!</p> </div> <div id="feedback-options" class="relevant-no hidden"> <h3>How Can We Help?</h3> <div class="options row"> <div class="option" onclick="toggleSection('improvement-section', this); focusOnSection('improvement-section');" onkeydown="if (event.key === 'Enter') { toggleSection('improvement-section', this); 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