Exhibit 12
GMAC LLC

Ratio of Earnings to Fixed Charges

Year ended December 31, ($ in millions)	2007			2006			2005			2004
Earnings
Consolidated net income (loss)		($2,332	)		$2,125			$2,282			$2,894
Provision for income taxes		390			103			1,197			1,362
Equity-method investee distribution		65			651			283			259
Equity-method investee earnings		5			(512	)		(142	)		(169	)
Minority interest expense		2			(9	)		(57	)		2
Consolidated income (loss) before income taxes, minority
interest and income or loss from equity investees		(1,870	)		2,358			3,563			4,348
Fixed charges		14,966			15,655			12,754			9,682
Earnings available for fixed charges		13,096			18,013			16,317			14,030
Fixed charges
Interest, discount, and issuance expense on debt		14,887			15,560			12,654			9,598
Portion of rentals representative of the interest factor		79			95			100			84
Total fixed charges		$14,966			$15,655			$12,754			$9,682
Ratio of earnings to fixed charges (a)		0.88			1.15			1.28			1.45

(a)  The ratio calculation indicates a less than one-to-one coverage for the year ended December 31, 2007. Earnings available for fixed charges for the year ended December 31, 2007, was inadequate to cover total fixed charges. The deficient amount for the ratio was $1,870 million.