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debt-to-income ratio 是指总债务和一年可支配收入的比例 ，完全不考虑固定资产，谁会一两年就把房贷付清啊。
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银行借钱给个人的时候也不会这么考虑。
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Last Updated: 2017-12-26
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Canada's household debt-to-income ratio hits record 171.1% in Q3 - OTTAWA , Statistics Canada; 12月的 家庭债务收入比 最新数据：Households Debt in Canada increased to 173.34 percent of gross income in 2017 from 169.90 percent in 2017.
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