The article says that payments for rent do count towards the limit. Can you re-confirm?
So, if you own a house and rent it to others, the rent is part of your income. If you rent a house to leave in, the rent is not part of your spent amount.
There is a special clause, that if you spent more than 60% towards tax, rent and loan payments, then you only have to spent 20% of your income on services, goods, etc.