Original sentence: A debt-to-income ratio of 28/36 means that no more than 28% of someone's income can go to housing and no more than 36% of one's income can go to the total monthly debt.Debt-to-income ratio is used by a lender to see if a borrower qualifies for a home loan
Edited sentence: A debt-to-income ratio of 28/36 means that no more than 28% of someone's income can go to housing and no more than 36% of one's income can go to the total monthly debt which mortgages payment.However, recently loan qualification criteria have become laxer.The debt-to-income ratio is used by lender to see if a borrower qualifies for a home loan