Hello, here I am providing you the details of the Debt to income ratio of Bank of America as under:

What is debt-to-income ratio?
Lenders look at your existing debt payments plus the projected payment for the new loan, and then calculate what percentage that represents of your total pre-tax income.

How to calculate it
Add up the amount you pay each month for debt and recurring financial obligations (such as credit cards, car loans and leases, or student loans).

Add your projected future mortgage or home equity line of credit payment to your debt

Divide that total number by your monthly pre-tax income.

Calculation:
Also keep in mind that there are alternative sources of income. Some lenders may consider other non-traditional sources of income (for example, trust income or housing allowance) in addition to your traditional income.

Lowering your debt-to-income ratio
Most lenders will want your debt–to-income ratio to be no more than 36%, but some lenders or loan products may require a lower percentage in order to qualify.

How to lower your debt-to-income ratio:
Increase the amount you pay monthly toward your debts.

Postpone large purchases until you have more savings

Recalculate your debt-to-income ratio monthly to see if you're making progress.