1)John and Sylvia are applying for a car loan. Their combined gross monthly income is $7,800 a month. The auto loan is priced at 4.25% and the term is 72 months. They are purchasing a Nissan for $32,000 and financing the 90% of the purchase price. They rent a condo for $900.00 a month. Their monthly bills include two schools for $400 a month, 3 credit cards with minimum payments of $190.00, and another car loan for $250.00. what is their HTI and DTI. and If the credit union's threshold for DTI is 41%, do they qualify?

2)what is the monthly mortgage payment for the following applicants:

Mortgage amount: $235,000

Interest rate: 4.00%

Term: 30 years

Real Estate Taxes per year: $5,000

Homeowner's insurance per year: $1,200

Private Mortgage Insurance: $210 per month

If the borrowers earn $6,800 a month, what is their HTI? Do they qualify for this loan if the max HTI at the bank is 33%?

3)Derek and Natasha have applied for a home equity loan. They earn $8,000 gross a month. The loan is for $45,000 at a fixed rate of 4.75% for 15 years. They currently have a first mortgage of $2,150 a month that will stay in place. Their current monthly expenses include two car loans for $635 a month, 2 credit cards of $400 a month and one student loan for $125 a month. what is their HTI and DTI in this loan scenario. If the credit union's max DTI for home equity loans is 43%, do they qualify for this loan? If not, what other options should they consider?

4)Max is applying for a personal loan for $15,000. The interest rate is 15% and the term is 48 months. Max has a mortgage payment each month of $1850, a car loan of $490 and 2 credit cards with a minimum monthly payment of $360. What is Max's HTI and DTI in this loan scenario if he earns $7,500 a month? If the bank's DTI limit is 36%, doe Max qualify for this loan? If not, what other options should he consider?