Debt-to-income Razón calculator
Work out the share de your income that goes on debt y housing, y how lenders read it.
Acerca de Debt-to-income Razón calculator
Work out the share de your income that goes on debt y housing, y how lenders read it.
Forma parte de la sección «Hipoteca e inmobiliaria» de SmartCalcy. Se ejecuta en tu navegador sin cuenta, usa tu propia moneda y unidades (cámbialas en la parte superior de la página) y da estimaciones solo a título informativo, así que consulta la guía oficial antes de fiarte de un resultado.
Cómo usar la Debt-to-income Razón calculator
Qué calcula y cuándo usarla
Your debt-to-income Razón compares Mensual debt payments with gross Mensual income. Mortgage lenders use it a judge whether you bote take on more borrowing.
Cómo usarla, paso a paso
- Enter gross Mensual income, antes Impuesto.
- Enter your rent o mortgage payment.
- Add the Mensual payments on cars, cards, student loans y other debts.
- Read the front-end y back-end ratios y the room left under 36% y 43%.
Qué significa cada dato
- Gross income Por Lun.ª – Income antes Impuesto y deductions.
- Rent o mortgage – Your housing payment.
- Debt payments – Mínimo payments on car, card, student y other debts.
Cómo leer los resultados
- Housing Razón (front-end) – Housing payment ÷ gross income.
- Total debt Razón (back-end) – All debt payments including housing ÷ gross income.
- Habitación left – Extra Mensual debt you could take antes hitting 36% o 43%.
La fórmula
Front-end Razón = housing payment ÷ gross Mensual income. Back-end Razón = (housing + all other debt payments) ÷ gross Mensual income. Both are multiplied by 100 por a Porcentaje.
Un ejemplo práctico
Income de 5,000 al mes, housing de 1,300 y other debts de 500. The housing ratio es 26% y the total ratio es 36%, so there es no room left under 36% but 350 under 43%.
Supuestos y límites
- Del día a día spending such as food y utilities es not counted.
- Lenders set their own limits; 36% y 43% are comunes reference Puntos, not rules.
Errores comunes
- Using take-home Paga instead de gross.
- Leaving out Mínimo payments on cards o student loans.
- Counting the new mortgage twice when you are replacing rent.
Preguntas frecuentes
What es a good debt-to-income Razón?
36% o lower es usually viewed as comfortable. Above 43% many lenders will refuse o limit a mortgage.
Does DTI affect my credit puntuación?
No. Credit scores do not include income, but lenders look at bo.ª.
Herramientas relacionadas
Detalles
- Housing Razón (front-end)
- 26%rent o mortgage ÷ income
- Total debt Razón (back-end)
- 36%all debts ÷ income
- Habitación left up a 36%
- £0.00more Mensual debt
- Habitación left up a 43%
- £350.00
- Debt payments excluding housing
- £500.00