Debt Ratio  is the most important parameter that is used to find out the loan eligibility of a person. It is calculated by a simple division of your monthly debt payments to your monthly income. A debt ratio of less than 35% is considered ideal since it gives so much room to do other things like investing.

There are 2 types of debt ratios :

Front-end ratio:This refers to the percentage of earnings that is paid for mortgage and related fees. Lenders want this to be no more than 30 percent of your gross monthly income; 28 percent is standard.

Back-end ratio: These are revolving monthly payments, such as Visa, MasterCard, car lease or loan payments, student loans, child support, alimony, monthly utilities.  The ratio should not be more than 36 percent.

For those with higher debt ratios but still needing a mortgage, the best option would be to make a higher down payment thus reducing the risk for the lender,thus inducing the lender to lend.

For people with higher debt ratios debt consolidation offers a potential remedy. it basically involves moving all your debt to a single source so as to reduce interest payments from high cost debt like credit cards. You may also use Debt Ratio Calculator.

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Senioroplis serves as a comprehensive guide for Retirement Homes and Retirement Living in Canada. Also, the site links to sub-sites that are dedicated to specific states. And all the sub-sites link to the main site. The most common service that senior look for today - Finding a retirement / elder care home. Senioropolis helps you help one through its huge database of retirement homes. You can search by state or feature that best fits your criteria you are looking for.

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enioropolis links senior looking for retirement home with home administrators. If you are one of the Retirement Residence administrator looking to advertise your home in Canada then this is just the right place that you have come across. If you are looking to advertise products and service related to seniors, then senioropolis has an advertisement section dedicated just for that. The benefit is that you are sure to hit the specific audience if your target group are seniors and children of senior and professional who work with seniors.

There is nothing else like a forum to share you view with the like-groups and Retirement Communities. Around the net there are very few sites for senior to help them with their retirement living. You can even find your best pal for the rest of your life in this forum. To let you more the site has many resources including Book & CD-Rom section, New & Article section and Directory of Service section. A must know site for the seniors to plan their retirement life.

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