Que Es DTI (Debt-to-Income Ratio)?
El DTI (Relación Deuda-Ingreso) compara tus pagos mensuales totales de deuda con tu ingreso bruto mensual. Los prestamistas lo usan para determinar cuánta hipoteca puedes pagar. Hay dos tipos: DTI frontal (solo costos de vivienda) y DTI posterior (todas las deudas incluyendo vivienda).
Datos Clave
- Most lenders want your back-end DTI at or below 43-45%.
- FHA loans may allow DTI up to 50% with compensating factors.
- DTI = Total Monthly Debts ÷ Gross Monthly Income × 100.
- Student loans, car payments, credit cards, and child support all count toward your DTI.
- Paying down existing debt before applying can significantly improve your buying power.
Ejemplo Practico
Gross monthly income: $10,000. Car payment: $450. Student loans: $350. Credit cards: $200. Proposed mortgage (PITI): $4,200. Total debts: $5,200. DTI = 52% — too high for most lenders. Paying off the car and cards brings it to 45.5%.
Por Que Importa
DTI is the #1 reason mortgage applications get denied or loan amounts get reduced. Before house shopping, calculate your DTI and consider paying down debts to maximize what you can qualify for.