Income Verification (Pay Stubs) Gross Income Net Income
Applicant Employer: Pay Stub 1 $ $
Pay Stub 2 $ $
Since: Number of pay periods per year $
Average Monthly Income $ $
Co-Applicant Employer: Pay Stub 1 $ $
Pay Stub 2 $ $
Since: Number of pay periods per year $
Average Monthly Income $ $
Combined Family Income: Average Monthly Income $ $
Gross Debt Service Ratio (GDS)
Monthly Housing - Rent or Mortgage payment (including Priciple & Interest) $
Monthly Property Taxes $
Monthly Heating Costs (Electricty and/or Natural gas) $
Monthly Condo / Strata fees $ 50% Applicable $
Total Shelter Costs: $
Target is 35% on Gross Income GDS Gross $ Net $
Total Debt Service Ratio (TDS)
Other Monthly Payments $
$
Monthly Vehicle Payments (Vehicle #1) $
(Vehicle #2) $
Monthly Consumer Proposal Payment / Monthly Encore Credit Recovery Loan Payment $
Total Monthly Payment Obligations $
Target is 42% on Gross Income TDS Gross $ Net $




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