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@bobwlpc Each application have its own scholars and its own calculation and shariah compliant rules that they follow and that's why you may find some differences between them ,The guidance most give is that you stick to one of them that you feel comfortable with and follow them and dont jump...

@chiefscml Totally , thats the interpretation of the scholar rule as well , the rule applies only to interest bearing debt , you should exclude any interest free debt from the 33% Applications like islamicaly and Zoya does that math but it can get tricky because as you mentioned we may not have...

@michaelleemason Thanks for sharing , many of us thinks a lot about the debt levels and its totally up to each individual to follow it or not That being said , what you have shared in points 1 & 2 are basically redefining those levels and showing why they were needed from the first place , You...