Calculadora de capacidad para comprar una casa

Definitions

• Ingreso anual combinado actualThe gross annual income of you and your spouse (if applicable).
• Pagos mensuales de manutención de menoresThe monthly amount paid for child support.
• Pagos mensuales del automóvilThe total monthly amount paid for automobile loans.
• Pagos mensuales de tarjeta de créditoThe total monthly amount paid toward credit cards.
• Gastos mensuales de afiliaciónThe total monthly amount for association fees.
• Other monthly obligations <br><em>(not including current mortgage payment)</em>Any other monthly obigations.
• Tasa de interés anual de la hipoteca nuevaThe interest rate for this home mortgage loan.
• Término de la hipoteca nueva The number of years you wish to finance this home mortgage loan.
• Fondos disponibles para el pago inicialThe amount of cash you have available to use as a down payment.
• Impuestos a la propiedad anuales estimadosThe annual amount you expect to pay for property taxes.
• Seguro del propietario anual estimadoThe annual amount you expect to pay for hazard/homeowner's insurance.
• Relación cuota-ingresoAlso known as the housing ratio, lenders use this ratio along with the back-end ratio to determine the maximum loan amount. Housing ratio equals combined (principal + interest + taxes + insurance) monthly mortgage payment divided by your gross monthly income. For example, a combined monthly mortgage payment of $1,200 divided by gross monthly income of $4,500 equals a housing ratio of 27%. Use a front-end ratio of 28% for conservative results and as high as 36% for aggressive results (usually requires a excellent credit and a higher down payment).
• Porcentaje por cancelación anticipadaAlso known as the debt ratio, lenders use this ratio along with the front-end ratio to determine the maximum loan amount. Debt ratio equals your combined monthly mortgage payment plus any other monthly debt obligations such as credit cards and alimony divided by your gross monthly income. Use a front-end ratio of 33% for conservative results and as high as 42% for aggressive results (usually requires a excellent credit and a higher down payment).