Calculate the gross debt service $($GDS$)$ and the total debt service $($TDS$)$ ratios for the following

data. $7$ Marks

$$ Monthly mortgage payment $=$ $$2100$

$$ Property taxes $=$ $$200$

$$ Heating costs $=$ $$115$

$$ Other housing costs $=$ $$70$

$$ Personal loan payment $=$ $$150$

$$ Car loan payment $=$ $$200$

$$ Credit card payment $=$ $$150$

$$ Gross monthly household income $=$ $$7800$