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: f( X! M- t! c$ X, @8 V
from 35% to 42% of gross income. 2 u; s5 I% S( Q& C4 eGDSR(gross debt service ratio)=(payment of principal and interest on mortgage+property taxes+heating costs+50% of condominium fees)/gross income.