In general, financial institutions will provide you with a mortgage loan only if your gross debt service ratio is no more than 32 percent.

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This is a common requirement for mortgage loans, as lenders want to ensure that borrowers can afford their monthly mortgage payments without being overburdened by excessive debt. However, different lenders may have slightly different criteria for assessing affordability, so it's important to shop around and compare offers before committing to a mortgage.

In General, Financial Institutions Will Provide You with a Mortgage