John is apply for a home load. His monthly expenses are $1165, his monthly income is $3650, and his projected monthly mortgage for a new home is $1068. At national Road Bank, debt-to-income ratio must be 0.36 or less to qualify for a loan. At National Savings Bank, mortgage-to-income ratio must be 0.28 or less. Determine whether or not John qualifies for a home loan at each bank. Show all your workings​