{"id":2524,"date":"2022-08-17T22:44:15","date_gmt":"2022-08-17T22:44:15","guid":{"rendered":"https:\/\/toplevelhomeloans.com\/?p=2524"},"modified":"2022-08-18T17:27:27","modified_gmt":"2022-08-18T17:27:27","slug":"how-to-calculate-your-debt-to-income","status":"publish","type":"post","link":"https:\/\/toplevelhomeloans.com\/en\/how-to-calculate-your-debt-to-income\/","title":{"rendered":"How to Calculate your debt to income?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2524\" class=\"elementor elementor-2524\" 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\">How to Calculate your debt to income?<\/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;\">Hello! Thank you so much for coming back to our pre-qualify yourself series. If you have already followed the other two blogs, we have already talked about<\/span><span style=\"font-weight: 400;\"> the basics of pre-qualifying<\/span><span style=\"font-weight: 400;\">, we talked about <\/span><span style=\"font-weight: 400;\">how to calculate your income.<\/span><\/p><p><span style=\"font-weight: 400;\">We&#8217;re going to talk about debt-to-income ratios now or DTI, and to be really honest, I think this is such a crucial topic because, in my opinion, this is how the bank determines your creditworthiness.\u00a0<\/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;\">I am Miguel Gomez and here in Top-Level Home Loans, we talked about tips and strategies on how you can obtain your home loan, throught mortgages.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">As I said previously, we are discussing debt to income ratios, so let me first define them before we completely discuss how to calculate them.<\/span><\/p><p><span style=\"font-weight: 400;\">In its most basic form, it consists of a comparison of your debts and your income. The numbers that you really need to keep in mind here are 45\/50 because the bank will typically examine this in a fractional format.<\/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;\">We basically attempt to qualify all of our borrowers in this manner. From there, there are certainly other considerations, such as credit scores and programs that they participate in, but if I&#8217;m looking at it to get a sense of where you are at, this is what I&#8217;m looking at.<\/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;\">Therefore, the 45 front-end ratio states that your monthly mortgage payment cannot exceed 45% of your gross income. So, since we have discussed income in the last blogs, if we multiplied that amount by 45%, we can determine how much the entire payment on your mortgage may be.<\/span><\/p><p><span style=\"font-weight: 400;\">In a future blog, we&#8217;ll discuss mortgage payments, allowing you to complete the circle by estimating what a typical mortgage payment would be, that way you can bring this whole thing full-circle.<\/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;\">We referred to the second component of that proportion as the <\/span><b>back-end ratio.<\/b><\/p><p><span style=\"font-weight: 400;\">We want to keep that number under 50. It is a calculation of your debts, including the house payment and minimum payments on all of your accounts.So that includes everything; they don&#8217;t want you to make more than 50% of your total income that you&#8217;re earning right now.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Your debts are extremely crucial factors, so the general rule is that anything that affects your credit needs to be taken into consideration.<\/span><\/p><p><span style=\"font-weight: 400;\">There are certain exceptions to this rule; if you are correctly documenting any accounts that you are not paying for, we may be able to exclude them from your debt-to-income ratios.<\/span><\/p><p><span style=\"font-weight: 400;\">Other factors include student loans. If you have student loans that are in deferment or forbearance or that you are not currently making payments on, in this case, we will factor those payments into the calculation of your debt-to-income ratios.<\/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>How to calculate it <\/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;\">With this, it is very important that you take your income, then multiply it by that 45%, this gives you your max of your house payment.<\/span><\/p><p><span style=\"font-weight: 400;\">But, if you have very little debts,\u00a0 there might be a position where if you take 50% of your income, subtract your debts, that number might be higher than 45%, if that&#8217;s the case, we&#8217;ll keep going back until we get to that 45% for you.We don&#8217;t want to push you past that because there are loan programs out there that might allow you to go a little bit higher than that, but this is what you&#8217;re aiming for just to pre-qualify yourself.<\/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;\">You determine your debt to income ratios in this way. We will cover how to calculate your house payment in the next blogs.Now that we know how much our possible house payment will be, we need to determine what kind of house we can buy with that amount or how much the house payment would be for the kind of home we want. However, we will discuss that in our next 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><span style=\"font-weight: 400;\">We appreciate you joining us and hope you learned some useful information and methods. Please consider subscribing to our <b>newsletter or <a href=\"https:\/\/www.youtube.com\/channel\/UCBuQ-ncf4oYCv4QvyH1G_pg\" target=\"_blank\" rel=\"noopener\">YouTube channel.<\/a><\/b><\/span><\/p><p><span style=\"font-weight: 400;\">Don&#8217;t miss our whole <\/span><b>pre- qualify yourself series<\/b><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/toplevelhomeloans.com\/en\/learn\/\" target=\"_blank\" rel=\"noopener\"><b>keep learning with TL.<\/b><\/a><\/p><p><span style=\"font-weight: 400;\">See you in the<\/span><a href=\"https:\/\/instagram.com\/toplevelloans?igshid=YmMyMTA2M2Y=\" target=\"_blank\" rel=\"noopener\"><b> next blogs<\/b><\/a><span style=\"font-weight: 400;\"> and follow us for more.<\/span><\/p><p><span style=\"font-weight: 400;\">Thank you!\u00a0<\/span><\/p><ul><li>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>Hello! Thank you so much for coming back to our pre-qualify yourself series. If you have already followed the other two blogs, we have already talked about the basics of pre-qualifying, we talked about how to calculate your income. We&#8217;re going to talk about debt-to-income ratios now or DTI, and to be really honest, I &#8230; <a title=\"How to Calculate your debt to income?\" class=\"read-more\" href=\"https:\/\/toplevelhomeloans.com\/en\/how-to-calculate-your-debt-to-income\/\" aria-label=\"Read more about How to Calculate your debt to income?\">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":[24],"tags":[25],"_links":{"self":[{"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/posts\/2524"}],"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=2524"}],"version-history":[{"count":0,"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/posts\/2524\/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=2524"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/categories?post=2524"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/toplevelhomeloans.com\/en\/wp-json\/wp\/v2\/tags?post=2524"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}