i tot ts was talking about housing loan.

it was 30% for many years, then sometime 2006-2010, banks cud do 50% or higher. not anymore, i think.

as someone already explained, total housing, car, personal, credit card can be 60-70%.

so if 70% hutang, gross 5k, net 4.5k, pay debt 3.5k, left 1k - 2 nights with yr darling habis la...!!

seriously, i have no idea how some people can live with so much debt...