इस Rule से Loans/EMI हमेशा Under Control रहेंगे | Thumb Rule of 28/36 Explained in Hindi

What Is the 28/36 Rule?
The term 28/36 rule refers to a common-sense rule used to calculate the amount of debt an individual or household should assume. According to this rule, a household should spend a maximum of 28% of its gross monthly income on total housing expenses and no more than 36% on total debt service, including housing and other debt such as car loans and credit cards. Lenders often use this rule to assess whether to extend credit to borrowers.

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