{"id":2513,"date":"2022-08-17T22:30:13","date_gmt":"2022-08-17T22:30:13","guid":{"rendered":"https:\/\/toplevelhomeloans.com\/?p=2513"},"modified":"2022-08-22T23:15:28","modified_gmt":"2022-08-22T23:15:28","slug":"como-calcular-tu-debt-to-income-para-comprar-tu-casa","status":"publish","type":"post","link":"https:\/\/toplevelhomeloans.com\/en\/como-calcular-tu-debt-to-income-para-comprar-tu-casa\/","title":{"rendered":"C\u00f3mo calcular tu debt to income para comprar tu casa"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2513\" class=\"elementor elementor-2513\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6b0a589 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b0a589\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6ce5a14\" data-id=\"6ce5a14\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-08b9c8e elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"08b9c8e\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo calcular tu debt to income para comprar tu casa<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-029938d elementor-widget elementor-widget-text-editor\" data-id=\"029938d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">En nuestros blogs previos de esta serie, ya hablamos de los conceptos b\u00e1sicos de la precalificaci\u00f3n, hablamos de c\u00f3mo calcular tus ingresos y ahora vamos a hablar sobre la relaci\u00f3n deuda-ingreso o DTI, y para ser realmente honesto, creo que este es un tema crucial porque, en mi opini\u00f3n, as\u00ed es como el banco determina realmente su cr\u00e9dito.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a6dedd4\" data-id=\"a6dedd4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4310611 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"4310611\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"500\" height=\"561\" src=\"https:\/\/toplevelhomeloans.com\/wp-content\/uploads\/2022\/08\/Blog-Top-level-01.png\" class=\"attachment-large size-large wp-image-2496\" alt=\"\" srcset=\"https:\/\/toplevelhomeloans.com\/wp-content\/uploads\/2022\/08\/Blog-Top-level-01.png 500w, https:\/\/toplevelhomeloans.com\/wp-content\/uploads\/2022\/08\/Blog-Top-level-01-267x300.png 267w, https:\/\/toplevelhomeloans.com\/wp-content\/uploads\/2022\/08\/Blog-Top-level-01-11x12.png 11w\" sizes=\"(max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-db686e6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"db686e6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d93f890\" data-id=\"d93f890\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b103cf elementor-widget elementor-widget-text-editor\" data-id=\"7b103cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Soy Miguel Gomez y aqu\u00ed en Top-Level Home Loans, hablamos de consejos y estrategias de c\u00f3mo puedes obtener tu pr\u00e9stamo hipotecario, a trav\u00e9s de hipotecas.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-c696dce );\">Como dije anteriormente, estamos discutiendo la relaci\u00f3n entre la deuda y los ingresos o Debt to Income, as\u00ed que primero perm\u00edtanme definir el t\u00e9rmino antes de discutir completamente c\u00f3mo calcularlo.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-c696dce );\">En su forma m\u00e1s b\u00e1sica, consiste en una comparaci\u00f3n de las deudas y los ingresos. Los n\u00fameros que realmente se deben tener en cuenta aqu\u00ed son 45\/50 porque el banco generalmente examinar\u00e1 esto en un formato fraccionario.<\/span><\/p><ul><li><b>45 Front-end ratio\u00a0<\/b><\/li><li><b>50 Back-end ratio\u00a0<\/b><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-434d7b5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"434d7b5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2bb775b\" data-id=\"2bb775b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58fa421 elementor-widget elementor-widget-text-editor\" data-id=\"58fa421\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">B\u00e1sicamente, intentamos calificar a todos nuestros clientes de esta manera. A partir de ah\u00ed, ciertamente hay otras consideraciones, como puntajes de cr\u00e9dito y programas en los que participan, pero si lo estoy viendo para tener una idea de d\u00f3nde te encuentras, esto es lo que mirar\u00eda.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77c988b elementor-widget elementor-widget-text-editor\" data-id=\"77c988b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>45 Front-end ratio <\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf9bb47 elementor-widget elementor-widget-text-editor\" data-id=\"bf9bb47\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Por lo tanto, la relaci\u00f3n inicial de 45 establece que el pago mensual de tu hipoteca no puede exceder el 45% de tu ingreso bruto. Entonces, como hemos hablado de los ingresos en los \u00faltimos blogs, si multiplicamos esa cantidad por 45%, podemos determinar cu\u00e1nto puede ser el pago total de tu hipoteca.<\/span><\/p><p><span style=\"font-weight: 400;\">En un blog futuro, analizaremos los pagos de la hipoteca, lo que nos permitir\u00e1 completar el c\u00edrculo al estimar cu\u00e1l ser\u00eda un pago de hipoteca t\u00edpico.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b53c38f\" data-id=\"b53c38f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d178df9 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"d178df9\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"401\" data-src=\"https:\/\/toplevelhomeloans.com\/wp-content\/uploads\/2022\/08\/Blog-Top-level-02.png\" class=\"attachment-large size-large wp-image-2497 lazyload\" alt=\"\" data-srcset=\"https:\/\/toplevelhomeloans.com\/wp-content\/uploads\/2022\/08\/Blog-Top-level-02.png 600w, https:\/\/toplevelhomeloans.com\/wp-content\/uploads\/2022\/08\/Blog-Top-level-02-300x201.png 300w, https:\/\/toplevelhomeloans.com\/wp-content\/uploads\/2022\/08\/Blog-Top-level-02-18x12.png 18w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" title=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/401;\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a6ad76 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a6ad76\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-74af31f\" data-id=\"74af31f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-45628e7 elementor-widget elementor-widget-text-editor\" data-id=\"45628e7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>50 Back-end ratio<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24ccf25 elementor-widget elementor-widget-text-editor\" data-id=\"24ccf25\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">El segundo componente de esa proporci\u00f3n es un c\u00e1lculo de las deudas, incluido el pago de la casa y los pagos m\u00ednimos de todas sus cuentas. Queremos mantener ese n\u00famero por debajo de 50. Eso incluye todo.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-c696dce );\">Sus deudas son factores extremadamente cruciales, por lo que la regla general es que cualquier cosa que afecte su cr\u00e9dito debe tenerse en cuenta.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-c696dce );\">Hay ciertas excepciones a esta regla; si est\u00e1 documentando correctamente cualquier cuenta que no est\u00e9 pagando, es posible que podamos excluirla de su relaci\u00f3n deuda-ingreso.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-c696dce );\">Otros factores incluyen los pr\u00e9stamos estudiantiles. Si tiene pr\u00e9stamos estudiantiles que est\u00e1n en aplazamiento o indulgencia o que actualmente no est\u00e1 haciendo pagos, en este caso, incluiremos esos pagos en el c\u00e1lculo de su relaci\u00f3n deuda-ingreso<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee8d951 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee8d951\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b02487d\" data-id=\"b02487d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a49c651 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"a49c651\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"401\" data-src=\"https:\/\/toplevelhomeloans.com\/wp-content\/uploads\/2022\/08\/Blog-Top-level-03.png\" class=\"attachment-large size-large wp-image-2498 lazyload\" alt=\"\" data-srcset=\"https:\/\/toplevelhomeloans.com\/wp-content\/uploads\/2022\/08\/Blog-Top-level-03.png 600w, https:\/\/toplevelhomeloans.com\/wp-content\/uploads\/2022\/08\/Blog-Top-level-03-300x201.png 300w, https:\/\/toplevelhomeloans.com\/wp-content\/uploads\/2022\/08\/Blog-Top-level-03-18x12.png 18w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" title=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/401;\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-20a8dc3\" data-id=\"20a8dc3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ead94e elementor-widget elementor-widget-text-editor\" data-id=\"2ead94e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>C\u00f3mo calcularlo<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe8a768 elementor-widget elementor-widget-text-editor\" data-id=\"fe8a768\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Con esto, es muy importante que tomes tus ingresos, luego los multipliques por ese 45%, esto te dar\u00e1 el m\u00e1ximo del pago de<br \/>tu casa.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-c696dce );\">Pero, si tiene muy pocas deudas, podr\u00eda haber una posici\u00f3n en la que si toma el 50 % de sus ingresos, reste sus deudas, ese n\u00famero podr\u00eda ser superior al 45 %, si ese es el caso, seguiremos retrocediendo hasta que tengamos llegar a ese 45% para usted. No queremos empujarlo m\u00e1s all\u00e1 porque existen programas de pr\u00e9stamos que podr\u00edan permitirle ir un poco m\u00e1s alto que eso, pero esto es lo que est\u00e1 buscando solo para pre -Calificarte.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-204086f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"204086f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fc6f272\" data-id=\"fc6f272\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d1b5f89 elementor-widget elementor-widget-text-editor\" data-id=\"d1b5f89\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">De esta manera, usted determina sus proporciones de deuda a ingreso. Cubriremos c\u00f3mo calcular el pago de su casa en los pr\u00f3ximos blogs. Ahora que sabemos cu\u00e1nto ser\u00e1 nuestro posible pago de la casa, debemos determinar qu\u00e9 tipo de casa podemos comprar con esa cantidad o cu\u00e1nto ser\u00eda el pago de la casa. el tipo de hogar que queremos. Sin embargo, hablaremos de eso en nuestro pr\u00f3ximo Blog.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cc4423d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cc4423d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-934537a\" data-id=\"934537a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47b0ac3 elementor-widget elementor-widget-text-editor\" data-id=\"47b0ac3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We appreciate you joining us and hope you learned some useful information and methods. please consider subscribing to our newsletter\u00a0<a href=\"https:\/\/www.youtube.com\/channel\/UCBuQ-ncf4oYCv4QvyH1G_pg\" target=\"_blank\" rel=\"noopener\"><b>Youtube Channel.<\/b><\/a><\/p><p>Don't miss our\u00a0<b>newsletternewsletter<\/b>\u00a0and keep\u00a0<a href=\"https:\/\/toplevelhomeloans.com\/en\/learn\/\"><b>learning with TL.<\/b><\/a><\/p><p>See you in the next blogs and\u00a0<a href=\"https:\/\/instagram.com\/toplevelloans?igshid=YmMyMTA2M2Y=\" target=\"_blank\" rel=\"noopener\"><b>follow us for more.<\/b><\/a><\/p><ul><li aria-level=\"1\">Miguel<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>En nuestros blogs previos de esta serie, ya hablamos de los conceptos b\u00e1sicos de la precalificaci\u00f3n, hablamos de c\u00f3mo calcular tus ingresos y ahora vamos a hablar sobre la relaci\u00f3n deuda-ingreso o DTI, y para ser realmente honesto, creo que este es un tema crucial porque, en mi opini\u00f3n, as\u00ed es como el banco determina &#8230; <a title=\"C\u00f3mo calcular tu debt to income para comprar tu casa\" class=\"read-more\" href=\"https:\/\/toplevelhomeloans.com\/en\/como-calcular-tu-debt-to-income-para-comprar-tu-casa\/\" aria-label=\"Read more about C\u00f3mo calcular tu debt to income para comprar tu casa\">Read more<\/a><\/p>","protected":false},"author":1,"featured_media":2496,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[22],"tags":[23],"_links":{"self":[{"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/posts\/2513"}],"collection":[{"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/comments?post=2513"}],"version-history":[{"count":0,"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/posts\/2513\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/media\/2496"}],"wp:attachment":[{"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/media?parent=2513"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/categories?post=2513"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/tags?post=2513"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}