Bima's yearly income is

$$97,250$

He is purchasing a property whose sell price is

$$580,000$

The apprasied value came in at

$$575,000$

The property's tax per year is

$$2,800$

The estimated heating bill is

$$150$ per month

Bima's credit card payments amount to

$$450$ per month

Bima would like to apply for

$80\%$ LTV loan

Using an interest rate of

$6\mathrm{.}50\%$ and amortization period of

$25$ years

Calculate the GDS and TDS for this loan