For secured finance which aren’t purchased secure money hence are not partially exempt around 1003 Section 4(a)(23) 1. Standard. 3(d), 1003.4(a)(23) needs a lender to help you declaration the new proportion of the applicant’s or borrower’s complete month-to-month debt so you can complete monthly income (debt-to-earnings ratio) relied on in making the financing ple, if…