TDSR(Total debt service ratio)=(payment of principal and interest on mortgage+property tax +heating costs+50% of condominium fees+payments on other personal loan)/grss income. TDSR guidelines Currently range9 ]1 V) t2 i& J/ C' u4 d7 j# o
from 35% to 42% of gross income. 6 e7 x7 c8 G, b# m% \- xGDSR(gross debt service ratio)=(payment of principal and interest on mortgage+property taxes+heating costs+50% of condominium fees)/gross income.