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The 28/36 rule is a commonly used guideline in personal finance to help determine how much of your income should be allocated to housing expenses and overall debt. According to this rule: 1. Housing expense - 28% Rule: No more than 28% of your gross monthly income should be used for housing expenses, including mortgage or rent, property taxes, and homeowners' insurance. 2. Debt to Income ratio - 36% Rule: Your total debt, including housing expenses and other debts such as car loans, student loan
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