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 range 9 L; p" `2 n7 {from 35% to 42% of gross income.! O- H( l7 d# H& A4 \* [
GDSR(gross debt service ratio)=(payment of principal and interest on mortgage+property taxes+heating costs+50% of condominium fees)/gross income.