How much of your income should go to a car loan? 🚗💰 Most banks follow a 30% DBR (debt-to-burden ratio). Meaning, kung pila imong income, 30% ana pwede ma-allocate for your monthly amortization—whether it’s for a car loan, home loan, or any other consumer loan. But for us, we take a more conservative approach. If you plan to buy a car, tanang gasto related to the car (monthly payment, insurance, gas, maintenance) should not exceed 20% of your monthly income, and dapat naa kay at least 6 months'