- June 8, 2021
- News
The rising debt-to-income (DTI) ratio is causing concern among house purchasers.
Despite the benefits of reduced borrowing rates in the aftermath of the Coronavirus outbreak, house purchasers say their DTI ratio has gotten out of hand.
Home purchasers in India are now dealing with a considerably greater debt-to-income (DTI) ratio than ever before, thanks to record low-interest rates on family savings, significant unemployment, and growing inflation levels. Despite the benefits of lower interest rates in the aftermath of the Coronavirus outbreak, their DTI ratio has suddenly risen to levels that are unmanageable.
Following COVID-19, new purchasers are playing it safe and keeping their LTV (loan-to-value) as low as possible. Existing purchasers, on the other hand, are becoming increasingly anxious. According to an online poll conducted by Track2Realty, over one-third of respondents (32%) stated they had to take wage cutbacks as a result of the epidemic, and 68 percent stated their reserves were insufficient to compensate for the wage decrease.
Are you looking for a 3 BHK Apartment on Rent in Kharghar Navi Mumbai? Then you may contact Navimumbaihouses.com the biggest property portal to Rent / Sale / New Projects properties in Kharghar and Navi Mumbai.
As a result of job losses and wage cuts, the debt-to-income ratio is worsening.
Take, for example, communication expert Naman Gupta. When he bought a property in 2017, his salary was Rs 1 lakh, and his DTI ratio was at a healthy 40 percent. Despite a decreased interest rate, his DTI ratio has risen to moreover 50% now that his wage has been reduced by 30%. As a result, it is harming his day-to-day spending. “We all anticipate employment growth, not employment de-growth. I expected a 20 percent pay increase when I signed up for an EMI of Rs 40,000. It would have effectively kept my DTI at a comfortable level of approximately 30%. However, I am now in a bind, and with limited finances, it would be difficult for me to continue servicing the EMIs in order to keep the property for a long time,” Gupta said.
Gupta isn’t the only one whose DTI has risen unexpectedly. According to the poll, 28% of Indian consumers said that their DTI ratio had risen to 50% or above. Even more, concerning for existing property purchasers is the fact that, following the second wave of COVID-19, 46% of Indians are concerned about potential income cutbacks or job losses.
In addition, 64% of purchasers claimed to have over-leveraged their financial resources and living with a greater DTI ratio. “Yes, I do agree that I over-leveraged in my property purchase, but I did not have the liberty of choice,” says S Ramaswamy, a software expert. In places like Bengaluru, you have two options: pay a premium price for a property or pay greater rent.” In the post-pandemic period, however, 22% of respondents said they had borrowed extra in order to maintain their livelihood and pay their housing EMI.
Will the COVID-19 epidemic lead to a rise in mortgage defaults?
According to data issued by the Reserve Bank of India (RBI), India’s household financial savings rate fell to 10.4% of GDP in the July-September 2020 quarter, down from 21% the previous quarter. According to RBI statistics issued in 2020, family income increased at a compound annual growth rate (CAGR) of 4.3 percent, compared to a 17.7 percent CAGR rise in borrowing by families or people, as measured by the compensation and wages bill of the country’s top listed corporations. As a result, it should come as no surprise that 72 percent of respondents acknowledged living paycheck to paycheck after purchasing a property.
Would this result in a rise in foreclosures and short sales in the property market? Unfortunately, there is no obvious solution, since 70% of purchasers say that the selling price on the secondary market today is significantly lower than their whole purchasing cost. “A distressed sale now would be a big waste of money. Prachi Desai, a Mumbai resident, adds, “We’ll never be able to purchase a property again.”
If You’re Looking for a Rental home in Navi Mumbai We Have the Best Option For You 3 BHK Flat for Rent in Kharghar Navi Mumbai: https://navimumbaihouses.com/3-bhk-flats-for-rent-in-kharghar/
What does the perfect DTI ratio look like?
The debt-to-income ratio (DTI) is a quantitative economic metric that divides gross monthly income by debt. This is how lenders decide if a potential borrower is qualified and capable of repaying the amount. Empirical evidence from housing loans suggests that borrowers with a DTI ratio of greater than 50% are more likely to default on their home loan EMIs.
In most developed nations throughout the globe, financial experts recommend following the ‘28/36 rule,’ which states that household expenditure should not exceed 28 percent of gross monthly income and debt should not exceed 36 percent. In other areas of the globe, a DTI ratio of 36 percent to 43 percent shows that the borrower has less room to handle any unplanned expenditure, and 50 percent or greater is a definite red signal. However, in India, it is a reality for a large number of purchasers, and this is getting painful for property purchasers as a result of job losses and pay cuts.
Any suggestions
Experts advise that while purchasing a home, one should be more practical than emotional to avoid potential loan defaults and foreclosure. “When you’re dealing with an untenable DTI ratio, there are just two options. One option is to sell other funds and assets to pay as much as possible to the bank upfront and decrease the EMI. If you have no alternative funds, you should go to your bank about it right away and, noting your new financial condition, request a loan restructuring for a longer term to keep your EMI low,” says Amitabh Sinha, an economist.
We are the online real estate portal to buy sell and rent properties in Navi Mumbai, Mumbai, and Thane. We can help you buy properties at affordable prices at your desired location. For more information call us on +91 8433959100
If you want daily property update details please follow us on Facebook Page / YouTube Channel / Twitter
410 Comments
Pingback: 티비위키
Pingback: condo for sale pattaya
can you buy generic clomid without insurance: cost of generic clomid no prescription – can i get generic clomid online
http://amoxil.icu/# amoxicillin 500mg
https://ciprofloxacin.life/# buy cipro online
prednisone tablets: prednisone brand name canada – medicine prednisone 10mg
doxycycline 50 mg: vibramycin 100 mg – buy doxycycline online without prescription
http://lisinoprilbestprice.store/# lisinopril prinivil zestril
cytotec abortion pill: Abortion pills online – cytotec abortion pill
cytotec online buy cytotec in usa buy cytotec online
doxycycline order online: buy doxycycline – buy doxycycline without prescription
http://cytotec.icu/# buy cytotec over the counter
zithromax 250 price: buy zithromax 1000 mg online – zithromax buy online no prescription
buy cytotec pills buy misoprostol over the counter order cytotec online
https://doxycyclinebestprice.pro/# online doxycycline
how to order doxycycline: doxycycline 100mg capsules – online doxycycline
nolvadex for pct tamoxifen for breast cancer prevention what happens when you stop taking tamoxifen
buying prescription drugs in mexico online Mexico pharmacy online medication from mexico pharmacy mexicopharm.com
mexico drug stores pharmacies: Medicines Mexico – reputable mexican pharmacies online mexicopharm.com
indianpharmacy com: indian pharmacy to usa – indian pharmacy indiapharm.llc
best canadian pharmacy online Cheapest drug prices Canada best canadian online pharmacy canadapharm.life
india pharmacy mail order: Online India pharmacy – buy medicines online in india indiapharm.llc
http://indiapharm.llc/# reputable indian pharmacies indiapharm.llc
canadian mail order pharmacy: Canadian online pharmacy – canadian pharmacy store canadapharm.life
canadian pharmacy king: Cheapest drug prices Canada – canada drugs reviews canadapharm.life
Online medicine home delivery top online pharmacy india mail order pharmacy india indiapharm.llc
canada rx pharmacy: Canadian online pharmacy – canadian pharmacy ltd canadapharm.life
https://indiapharm.llc/# top 10 pharmacies in india indiapharm.llc
india pharmacy: indian pharmacy to usa – reputable indian online pharmacy indiapharm.llc
generic sildenafil without a prescription sildenafil 1 cream viagra sildenafil
https://tadalafildelivery.pro/# tadalafil best price uk
sildenafil 50 mg online: sildenafil without a doctor prescription Canada – sildenafil 1 pill
Vardenafil price Generic Levitra 20mg Levitra 10 mg best price
Kamagra 100mg price: cheap kamagra – Kamagra Oral Jelly
Cheap Levitra online Buy generic Levitra online Buy Levitra 20mg online
https://tadalafildelivery.pro/# generic tadalafil medication
sildenafil citrate sublingual: Cheapest Sildenafil online – sildenafil 50mg tablets in india
order cheap clomid for sale: cheapest clomid – where to buy generic clomid without prescription
buy paxlovid online Buy Paxlovid privately Paxlovid buy online
http://paxlovid.guru/# paxlovid price
paxlovid pharmacy: paxlovid best price – paxlovid buy
paxlovid for sale Paxlovid buy online Paxlovid over the counter
http://amoxil.guru/# amoxicillin without rx
https://prednisone.auction/# prednisone 30 mg
prednisone 54899: buy prednisone over the counter – buy prednisone 1 mg mexico
http://prednisone.auction/# prednisone 4mg tab
stromectol price uk: ivermectin for sale – minocycline 50mg tablets online
http://furosemide.pro/# lasix generic name
cytotec buy online usa: buy cytotec online – п»їcytotec pills online
https://finasteride.men/# propecia online
cost cheap propecia without prescription: buying propecia – buy propecia no prescription
https://misoprostol.shop/# buy cytotec pills online cheap
http://misoprostol.shop/# cytotec buy online usa
lisinopril 20 25 mg tab buy lisinopril canada price of lisinopril 30 mg
lisinopril australia: cheapest lisinopril – zestril tab 10mg
https://lisinopril.fun/# cheap lisinopril 40 mg
http://misoprostol.shop/# buy cytotec in usa
buy misoprostol over the counter Misoprostol best price in pharmacy buy cytotec pills online cheap
generic zithromax 500mg india: buy zithromax z-pak online – where can i buy zithromax capsules
propecia without rx Buy Finasteride 5mg cost of cheap propecia
https://finasteride.men/# buying cheap propecia without a prescription
http://azithromycin.store/# zithromax online usa
https://farmaciaitalia.store/# farmaci senza ricetta elenco
acquisto farmaci con ricetta: avanafil spedra – farmacia online piГ№ conveniente
viagra acquisto in contrassegno in italia sildenafil prezzo viagra 50 mg prezzo in farmacia
https://sildenafilitalia.men/# viagra generico in farmacia costo
http://avanafilitalia.online/# farmacie on line spedizione gratuita
comprare farmaci online all’estero: comprare avanafil senza ricetta – acquistare farmaci senza ricetta
acquisto farmaci con ricetta avanafil prezzo in farmacia farmaci senza ricetta elenco
cerco viagra a buon prezzo viagra prezzo cialis farmacia senza ricetta
https://tadalafilitalia.pro/# comprare farmaci online all’estero
http://farmaciaitalia.store/# farmacia online piГ№ conveniente
Pingback: pop over to this website
acquisto farmaci con ricetta: kamagra oral jelly consegna 24 ore – acquistare farmaci senza ricetta
https://mexicanpharm.store/# mexican border pharmacies shipping to usa
canadian pharmacy meds: reputable canadian pharmacy – best mail order pharmacy canada
my canadian pharmacy reviews legitimate canadian mail order pharmacy canadian pharmacy scam
buying from online mexican pharmacy: mexico drug stores pharmacies – mexican pharmaceuticals online
https://mexicanpharm.store/# mexican rx online
trusted canadian pharmacy medication canadian pharmacy canadian pharmacy uk delivery
india online pharmacy: indianpharmacy com – india pharmacy mail order
https://indiapharm.life/# best india pharmacy
best online pharmacy india: cheapest online pharmacy india – best online pharmacy india
best online pharmacies in mexico: buying prescription drugs in mexico online – mexico drug stores pharmacies
mexico drug stores pharmacies buying from online mexican pharmacy buying prescription drugs in mexico online
http://mexicanpharm.store/# mexican pharmaceuticals online
Online medicine home delivery: mail order pharmacy india – top online pharmacy india
п»їbest mexican online pharmacies mexican online pharmacies prescription drugs mexico drug stores pharmacies
cytotec buy online usa Abortion pills online buy cytotec online fast delivery
http://nolvadex.pro/# tamoxifen hot flashes
http://prednisonepharm.store/# prednisone 40 mg tablet
how to get zithromax where can i buy zithromax capsules purchase zithromax online
https://nolvadex.pro/# tamoxifen rash pictures
canada pharmacies without script: canadian pharmacy meds – best online drugstore
https://reputablepharmacies.online/# prescription drugs online without
best online international pharmacies https://reputablepharmacies.online/# canada pharmacy reviews
world pharmacy
canada prescriptions online http://edwithoutdoctorprescription.store/# buy prescription drugs online without
superstore pharmacy online
rx online: online canadian pharmacy with prescription – fda approved canadian online pharmacies
https://reputablepharmacies.online/# prescriptions from canada without
http://indianpharmacy.shop/# india online pharmacy indianpharmacy.shop
canada drug prices
http://indianpharmacy.shop/# reputable indian online pharmacy indianpharmacy.shop
http://indianpharmacy.shop/# top 10 pharmacies in india indianpharmacy.shop
cheapest drug prices
https://indianpharmacy.shop/# buy medicines online in india indianpharmacy.shop
http://indianpharmacy.shop/# india pharmacy mail order indianpharmacy.shop
canadian pharmacy drug prices
https://mexicanpharmacy.win/# mexican border pharmacies shipping to usa mexicanpharmacy.win
http://canadianpharmacy.pro/# canadian pharmacies that deliver to the us canadianpharmacy.pro
best mexican online pharmacies
http://canadianpharmacy.pro/# safe canadian pharmacy canadianpharmacy.pro
http://acheterkamagra.pro/# pharmacie ouverte 24/24
Pharmacie en ligne livraison 24h
https://cialissansordonnance.shop/# acheter medicament a l etranger sans ordonnance
pharmacie ouverte 24/24
Pharmacie en ligne France: levitra generique prix en pharmacie – п»їpharmacie en ligne
buy amoxicillin online cheap: amoxicillin cost australia – amoxicillin over counter
https://prednisonetablets.shop/# 50 mg prednisone tablet
875 mg amoxicillin cost: can you buy amoxicillin uk – amoxicillin discount
https://amoxicillin.bid/# amoxicillin 500 mg for sale
amoxicillin from canada: amoxicillin 500 mg where to buy – cost of amoxicillin 30 capsules
https://ivermectin.store/# buy stromectol uk
prednisolone prednisone: prednisone online sale – can i buy prednisone over the counter in usa
best online pharmacies in mexico: Online Pharmacies in Mexico – pharmacies in mexico that ship to usa mexicanpharm.shop
buying prescription drugs in mexico: Online Pharmacies in Mexico – purple pharmacy mexico price list mexicanpharm.shop
https://canadianpharm.store/# canadian pharmacy 24h com canadianpharm.store
india pharmacy: order medicine from india to usa – mail order pharmacy india indianpharm.store
india pharmacy: reputable indian online pharmacy – indian pharmacies safe indianpharm.store
The depth of research in your articles is commendable.
http://indianpharm.store/# top online pharmacy india indianpharm.store
п»їbest mexican online pharmacies: medication from mexico pharmacy – mexico pharmacies prescription drugs mexicanpharm.shop
https://mexicanpharm.shop/# best online pharmacies in mexico mexicanpharm.shop
prescription drugs canada buy online: Certified Online Pharmacy Canada – canadian pharmacy king reviews canadianpharm.store
buying from online mexican pharmacy: Online Pharmacies in Mexico – mexican mail order pharmacies mexicanpharm.shop
https://indianpharm.store/# Online medicine order indianpharm.store
canada prescription drugs: list of mexican pharmacies – approved canadian pharmacies online
pharmacy drug store online no rx: best rated canadian online pharmacy – canada drugs online pharmacy
Incredibly informative post! I learned a lot and look forward to more.
canadian pharmacies mail order: canadian mail order pharmacies – list of canadian pharmacies
Such a well-researched piece! It’s evident how much effort you’ve put in.
legitimate canadian internet pharmacies: on line pharmacy with no prescriptions – online pharmacies of canada
legal canadian pharmacy online: drug stores canada – canadian pharcharmy online
canadian overnight pharmacy: cheap rx drugs – best pharmacy prices
canadian prescription drugs: overseas pharmacies shipping to usa – canadian drug company
online ed medications: erection pills online – best ed pills
http://canadianinternationalpharmacy.pro/# precription drugs from canada
prescription drugs without prior prescription: ed pills without doctor prescription – how to get prescription drugs without doctor
top ed pills: cheapest ed pills online – male ed pills
ed drugs list: best ed treatment pills – the best ed pill
cheap ed drugs: best male enhancement pills – top erection pills
online pharmacy india: india online pharmacy – world pharmacy india
https://mexicanph.shop/# mexican border pharmacies shipping to usa
buying prescription drugs in mexico
http://mexicanph.shop/# medicine in mexico pharmacies
buying prescription drugs in mexico online
https://mexicanph.shop/# reputable mexican pharmacies online
buying prescription drugs in mexico online
mexico drug stores pharmacies buying prescription drugs in mexico online mexican pharmaceuticals online
http://mexicanph.shop/# best online pharmacies in mexico
mexican mail order pharmacies
п»їbest mexican online pharmacies medication from mexico pharmacy mexico drug stores pharmacies
mexico drug stores pharmacies buying prescription drugs in mexico online mexican online pharmacies prescription drugs
mexican mail order pharmacies mexican mail order pharmacies п»їbest mexican online pharmacies
http://mexicanph.com/# buying prescription drugs in mexico online
best online pharmacies in mexico
mexican drugstore online mexico pharmacies prescription drugs medicine in mexico pharmacies
mexican mail order pharmacies mexican online pharmacies prescription drugs medication from mexico pharmacy
mexican pharmacy medication from mexico pharmacy buying from online mexican pharmacy
mexico drug stores pharmacies mexican rx online mexico drug stores pharmacies
http://amoxil.cheap/# buy cheap amoxicillin
amoxicillin cost australia: amoxicillin from canada – amoxicillin 500mg capsule cost
generic lasix: Over The Counter Lasix – lasix for sale
http://amoxil.cheap/# how much is amoxicillin prescription
lasix 100mg: Over The Counter Lasix – lasix pills
where can you buy amoxicillin over the counter: amoxicillin discount coupon – amoxicillin online canada
https://stromectol.fun/# ivermectin 6 mg tablets
furosemide 100 mg: Buy Furosemide – lasix 40mg
furosemide 40mg: Buy Furosemide – furosemide 40mg
https://stromectol.fun/# minocycline pill
over the counter amoxicillin canada [url=http://amoxil.cheap/#]can you purchase amoxicillin online[/url] price of amoxicillin without insurance
http://furosemide.guru/# lasix medication
lisinopril tabs 10mg: lisinopril 102 – lisinopril 5 mg pill
prednisone without prescription 10mg: prednisone brand name india – buy prednisone mexico
http://lisinopril.top/# lisinopril 10 mg prices
lasix furosemide: lasix generic name – buy furosemide online
Online medicine order cheapest online pharmacy india indian pharmacies safe
http://indianph.com/# pharmacy website india
best online pharmacy india indian pharmacy online online pharmacy india
top online pharmacy india best online pharmacy india best online pharmacy india
http://indianph.com/# india pharmacy mail order
https://doxycycline.auction/# doxy
http://cytotec24.com/# buy cytotec pills
http://doxycycline.auction/# doxycycline without prescription
http://cipro.guru/# ciprofloxacin over the counter
http://lanarhoades.fun/# lana rhodes
https://angelawhite.pro/# Angela White video
http://abelladanger.online/# abella danger video
https://evaelfie.pro/# eva elfie modeli
https://lanarhoades.fun/# lana rhoades izle
free dating websites: http://lanarhoades.pro/# lana rhoades
sweetie fox new: sweetie fox video – sweetie fox cosplay
tinder dating site free search: http://miamalkova.life/# mia malkova new video
mia malkova girl: mia malkova new video – mia malkova new video
danting site: https://evaelfie.site/# eva elfie hd
mia malkova photos: mia malkova videos – mia malkova hd
datng websites: https://evaelfie.site/# eva elfie hd
eva elfie hd: eva elfie – eva elfie full videos
dating sites nl: http://lanarhoades.pro/# lana rhoades unleashed
mia malkova photos: mia malkova photos – mia malkova new video
senior dating site: https://evaelfie.site/# eva elfie videos
https://aviatorghana.pro/# aviator bet
aviator oyna slot: pin up aviator – aviator oyunu
https://jogodeaposta.fun/# ganhar dinheiro jogando
aviator sinyal hilesi: aviator oyna slot – aviator bahis
http://aviatorjogar.online/# jogar aviator Brasil
https://pinupcassino.pro/# cassino pin up
cassino pin up: pin up – aviator oficial pin up
aviator mz: aviator bet – aviator online
http://aviatormalawi.online/# aviator bet malawi
https://aviatoroyunu.pro/# aviator
aviator bet: aviator ghana – aviator betting game
https://aviatormocambique.site/# aviator bet
online shopping pharmacy india: indian pharmacy – reputable indian online pharmacy indianpharm.store
mail order pharmacy india online pharmacy usa best online pharmacy india indianpharm.store
http://canadianpharmlk.com/# legal canadian pharmacy online canadianpharm.store
pharmacy website india Best Indian pharmacy best india pharmacy indianpharm.store
http://canadianpharmlk.com/# pharmacy in canada canadianpharm.store
medication from mexico pharmacy: mexican pharmaceuticals online – п»їbest mexican online pharmacies mexicanpharm.shop
https://mexicanpharm24.shop/# mexican border pharmacies shipping to usa mexicanpharm.shop
best india pharmacy india pharmacy top 10 online pharmacy in india indianpharm.store
medicine in mexico pharmacies: order online from a Mexican pharmacy – mexican mail order pharmacies mexicanpharm.shop
https://indianpharm24.shop/# indian pharmacy online indianpharm.store
buy prescription drugs from india: Pharmacies in India that ship to USA – online shopping pharmacy india indianpharm.store
http://mexicanpharm24.shop/# reputable mexican pharmacies online mexicanpharm.shop
prednisone price south africa prednisone 300mg buy prednisone online without a script
prednisone 50 mg for sale: prednisone pills 10 mg – how to buy prednisone
order amoxicillin online: can you drink on amoxicillin – buy amoxicillin 500mg uk
can i buy amoxicillin online: amoxicillin over the counter – generic for amoxicillin
buy amoxicillin canada amoxicillin pharmacy price order amoxicillin uk
can i order prednisone: steroid prednisone – purchase prednisone from india
prednisone 500 mg tablet: generic prednisone 10mg – purchase prednisone no prescription
prednisone 300mg by prednisone w not prescription 5 mg prednisone daily
over the counter prednisone cream: prednisone pill 10 mg – prednisone 1 tablet
how to get clomid price: cheap clomid now – where can i buy generic clomid without a prescription
no prescription required pharmacy: canadian online pharmacy – canadian pharmacy without prescription
https://edpills.guru/# buy erectile dysfunction pills
order ed pills low cost ed medication ed pills cheap
http://pharmnoprescription.pro/# cheap prescription drugs online
canadian prescriptions in usa: best no prescription online pharmacies – canadian drugs no prescription
http://edpills.guru/# erectile dysfunction meds online
https://pharmnoprescription.pro/# no prescription pharmacy online
pharmacy no prescription required: online no prescription pharmacy – online pharmacies no prescription usa
top 10 pharmacies in india india online pharmacy indian pharmacy paypal
india pharmacy: india pharmacy mail order – india online pharmacy
http://canadianpharm.guru/# buy drugs from canada
reputable mexican pharmacies online medicine in mexico pharmacies purple pharmacy mexico price list
top 10 pharmacies in india: Online medicine order – top 10 online pharmacy in india
http://mexicanpharm.online/# mexico pharmacies prescription drugs
cheap prescription drugs online: ordering prescription drugs from canada – canada pharmacy online no prescription
mexican drugstore online buying prescription drugs in mexico online mexican mail order pharmacies
reputable indian pharmacies: reputable indian online pharmacy – best online pharmacy india
https://pharmacynoprescription.pro/# best online prescription
buying from online mexican pharmacy: buying prescription drugs in mexico online – buying prescription drugs in mexico
legitimate online pharmacy no prescription buy medications without prescriptions online meds without prescription
http://mexicanpharm.online/# mexican mail order pharmacies
legitimate canadian mail order pharmacy: canadian neighbor pharmacy – ed drugs online from canada
mexican drugstore online mexican online pharmacies prescription drugs pharmacies in mexico that ship to usa
world pharmacy india: indian pharmacy – india online pharmacy
https://pharmacynoprescription.pro/# ordering prescription drugs from canada
safe canadian pharmacy: legitimate canadian pharmacies – reddit canadian pharmacy
legitimate canadian pharmacy online canadian pharmacy king reviews best mail order pharmacy canada
https://canadianpharm.guru/# canada cloud pharmacy
buy drugs online without a prescription: purchasing prescription drugs online – non prescription pharmacy
ordering drugs from canada: prescription drugs canada buy online – www canadianonlinepharmacy
pin up: pin up – pin-up casino indir
https://gatesofolympus.auction/# gates of olympus slot
gates of olympus 1000 demo: pragmatic play gates of olympus – gates of olympus nas?l para kazanilir
http://aviatoroyna.bid/# aviator oyunu 20 tl
https://gatesofolympus.auction/# gates of olympus guncel
sweet bonanza hilesi: slot oyunlari – sweet bonanza kazanma saatleri