DSTI is a debt service to income ratio. The ratio between the borrower's loan payments (level of credit burden) and income, which is used for calculating a reasonable loan burden and which the lender can use as information in making a lending decision.

It is calculated taking into consideration all the borrower's monthly financial obligations principal and interest payments and the net income. There may be a ratio of debt service up to 70%. If the result turns out to be bigger, the application will not be allowed to the auction.