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  5. Borrowing and payment capacity

Borrowing and payment capacity

Qualification and the 5 Cs of credit

Loan-to-value ratio calculation method

Mortgage qualification

Credit report and analysis

Weighting of debts in a credit file

Interpretation of the credit score

Gross Debt Service (GDS)

Total debt service (TDS)

Mortgage pre-approval and pre-qualification

Down payment

Interest rate amortization or repayment plan

Reference number
300147
Last update
January 7, 2025
Borrowing and payment capacity