¿Cuánta casa puedo pagar?
Determina cuánta vivienda puedes permitirte según tus ingresos, deudas y tipos de interés actuales usando ratios DTI estándar.
Cómo usar esta calculadora
- 1
Enter Income
Input your gross annual income, including any co-borrower.
- 2
List Debts
Add monthly debt payments like car loans, student loans, and credit cards.
- 3
Set Down Payment & Rate
Enter your available savings and the interest rate you expect.
- 4
See Affordability
View your maximum home price, loan amount, and monthly payment budget.
Preguntas frecuentes
What is a good DTI ratio?
Lenders typically prefer a back-end DTI (total monthly debt payments divided by gross monthly income) under 36%, though some programs allow up to 43–50%. A lower DTI gives you better rates and more buffer in your monthly budget.
How much of my income should go to housing?
A common guideline is the 28/36 rule: spend no more than 28% of gross income on housing costs and no more than 36% on total debt. Norwegian and EU lenders instead cap total debt at around 5x gross annual income.
Does the down payment change how much I can afford?
Yes — a larger down payment lowers the loan amount, monthly payment, and often the interest rate, and in many countries it is required (for example a 10% minimum equity requirement in Norway, or avoiding PMI at 20% down in the US).
Which debts count against my borrowing capacity?
Car loans, student loans, consumer credit, and credit card limits (not just balances, in some countries) all reduce what you can borrow. Paying down small high-interest debts before applying often raises your maximum loan more than extra savings would.
Capacidad de compra y DTI
Lenders use Debt-to-Income (DTI) ratios to determine how much they will lend.
We use standard Front-End (28%) and Back-End (36%) ratios.
Ratio Front-End
Housing costs divided by gross income.
Ratio Back-End
Total monthly debt divided by gross income.
Préstamo máximo
El importe máximo de hipoteca al que puedes optar.