{"id":2942,"date":"2026-10-20T12:39:07","date_gmt":"2026-10-20T11:39:07","guid":{"rendered":"https:\/\/wpcalc.com\/pt\/financas\/calculadora-indice-divida-renda\/"},"modified":"2026-10-20T12:39:07","modified_gmt":"2026-10-20T11:39:07","slug":"calculadora-indice-divida-renda","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/pt\/financas\/calculadora-indice-divida-renda\/","title":{"rendered":"Calculadora de \u00edndice d\u00edvida\/renda (DTI)"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Compare suas d\u00edvidas mensais com a sua renda<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"2942\" data-favorite-title=\"\u00cdndice d\u00edvida\/renda\" data-favorite-url=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-indice-divida-renda\/\" data-favorite-excerpt=\"Calcule seus \u00edndices d\u00edvida\/renda habitacional (front-end) e total (back-end) a partir da renda bruta e das parcelas mensais obrigat\u00f3rias. Informe a renda em valores mensais ou anuais e cada pagamento de d\u00edvida sempre como valor mensal.\" aria-label=\"Adicionar aos favoritos\" data-favorite-icon=\"icon icon-loan\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-indice-divida-renda\/\" method=\"POST\" class=\"calculator\" id=\"calculator-2942\" data-post=\"2942\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Campos de entrada<\/legend><div class=\"is-single field\" id=\"input-1\"><span class=\"font-semibold\">Renda bruta<\/span><\/div><div class=\"field is-single\" id=\"input-2\"><label for=\"field-2\">Per\u00edodo da renda informada<\/label><div class=\"grid grid-cols-1\"><select id=\"field-2\" name=\"perodo_da_renda_informada\"><option value=\"monthly\" selected>Por m\u00eas<\/option><option value=\"annual\">Por ano<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Sal\u00e1rio ou remunera\u00e7\u00e3o<\/label><input type=\"text\" name=\"salrio_ou_remunerao\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"6000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><small id=\"calc-info-3\">Informe a renda bruta, antes do desconto de impostos.<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Outras fontes de renda<\/label><input type=\"text\" name=\"outras_fontes_de_renda\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><small id=\"calc-info-4\">Use o mesmo per\u00edodo do sal\u00e1rio ou remunera\u00e7\u00e3o.<\/small><\/div><div class=\"is-single field\" id=\"input-5\"><span class=\"font-semibold\">Pagamentos mensais de d\u00edvidas<\/span><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Pagamento com moradia<\/label><input type=\"text\" name=\"pagamento_com_moradia\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1800\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">Aluguel ou presta\u00e7\u00e3o do financiamento imobili\u00e1rio: amortiza\u00e7\u00e3o, juros, impostos e seguro (PITI). Inclua os encargos de moradia aplic\u00e1veis.<\/small><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Financiamentos de ve\u00edculo<\/label><input type=\"text\" name=\"financiamentos_de_veculo\" id=\"field-7\" aria-describedby=\"calc-unit-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"350\"\/><div class=\"unit\" id=\"calc-unit-7\">$<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Financiamento estudantil<\/label><input type=\"text\" name=\"financiamento_estudantil\" id=\"field-8\" aria-describedby=\"calc-unit-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-9\">Pagamento m\u00ednimo do cart\u00e3o de cr\u00e9dito<\/label><input type=\"text\" name=\"pagamento_mnimo_do_carto_de_crdito\" id=\"field-9\" aria-describedby=\"calc-unit-9 calc-info-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"100\"\/><div class=\"unit\" id=\"calc-unit-9\">$<\/div><small id=\"calc-info-9\">Informe os valores m\u00ednimos exigidos, n\u00e3o o saldo das faturas.<\/small><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">Empr\u00e9stimos pessoais<\/label><input type=\"text\" name=\"emprstimos_pessoais\" id=\"field-10\" aria-describedby=\"calc-unit-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-10\">$<\/div><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-11\">Pens\u00e3o aliment\u00edcia<\/label><input type=\"text\" name=\"penso_alimentcia\" id=\"field-11\" aria-describedby=\"calc-unit-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-11\">$<\/div><\/div><div class=\"field\" id=\"input-12\"><label for=\"field-12\">Outras d\u00edvidas mensais<\/label><input type=\"text\" name=\"outras_dvidas_mensais\" id=\"field-12\" aria-describedby=\"calc-unit-12 calc-info-12\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-12\">$<\/div><small id=\"calc-info-12\">Inclua outros pagamentos obrigat\u00f3rios de d\u00edvidas; n\u00e3o conte o mesmo valor duas vezes.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Recalcular\" id=\"calculate-button\" data-post=\"2942\">Calcular<\/button><button type=\"reset\">Redefinir<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Calcular automaticamente<\/label><small>Se ativado, o resultado \u00e9 atualizado automaticamente quando voc\u00ea altera qualquer valor.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Seus \u00edndices d\u00edvida\/renda<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>DTI front-end (moradia)<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>DTI back-end (todas as d\u00edvidas)<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Classifica\u00e7\u00e3o do DTI back-end<\/span><\/span><span class=\"field-value\" id=\"result-3\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-4\"><span class=\"field-title\"><span>Par\u00e2metros comuns usados por credores<\/span><\/span><span class=\"field-value\" id=\"result-4\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>D\u00edvida mensal m\u00e1xima com 36%<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-6\"><span class=\"field-title\"><span>D\u00edvida mensal m\u00e1xima com 43%<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>Redu\u00e7\u00e3o da d\u00edvida mensal necess\u00e1ria para chegar a 36%<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Copiar link para este c\u00e1lculo<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Deixar um coment\u00e1rio<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"2942\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">O que voc\u00ea achou deste resultado?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Curti <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">\u00datil <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Confuso <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Decepcionado <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Impreciso <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>F\u00f3rmula do \u00edndice d\u00edvida\/renda<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">F\u00f3rmula<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ \\begin{aligned} I &amp;= \\frac{S+O}{p} \\\\ D &amp;= H+C+L+K+P+A+X \\\\ \\text{DTI front-end} &amp;= \\frac{H}{I}\\times100\\% \\\\ \\text{DTI back-end} &amp;= \\frac{D}{I}\\times100\\% \\\\ \\text{Limite de d\u00edvida a }r &amp;= I\\times r \\\\ \\text{Redu\u00e7\u00e3o para atingir 36\\%} &amp;= \\max(0,D-0.36I) \\end{aligned} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Onde:<\/strong><\/p>\n<ul>\n<li>\\(I\\) \u2014 renda mensal bruta; \\(S\\) \u2014 sal\u00e1rio; \\(O\\) \u2014 outras rendas; \\(p\\) \u2014 1 se a renda for informada como mensal ou 12 se for anual.<\/li>\n<li>\\(D\\) \u2014 total dos pagamentos mensais obrigat\u00f3rios de d\u00edvidas; \\(H\\) \u2014 pagamento da moradia.<\/li>\n<li>\\(C\\), \\(L\\), \\(K\\), \\(P\\), \\(A\\) e \\(X\\) \u2014 pagamentos mensais de financiamento de ve\u00edculo, financiamento estudantil, pagamento m\u00ednimo do cart\u00e3o de cr\u00e9dito, empr\u00e9stimo pessoal, pens\u00e3o aliment\u00edcia e outras d\u00edvidas, respectivamente.<\/li>\n<li>\\(r\\) \u2014 0,36 ou 0,43 para os dois resultados de limite de d\u00edvida.<\/li>\n<\/ul>\n<p>O \u00edndice front-end compara o pagamento da moradia com a renda mensal bruta. J\u00e1 o back-end inclui a moradia e todos os demais pagamentos mensais de d\u00edvidas informados; o resultado de redu\u00e7\u00e3o mostra quanto o total mensal de d\u00edvidas ultrapassa 36% da renda, quando isso ocorre.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>\u00cdndice d\u00edvida\/renda \u2013 Exemplo de c\u00e1lculo<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Exemplo:<\/strong> usando os valores mensais padr\u00e3o, o sal\u00e1rio \u00e9 de $6.000, outras rendas somam $500, a moradia custa $1.800, o financiamento do ve\u00edculo $350, o financiamento estudantil $200 e o pagamento m\u00ednimo do cart\u00e3o de cr\u00e9dito $100. Todos os demais campos de d\u00edvida est\u00e3o em zero.<\/p>\n<p>\\[ \\begin{aligned} I &amp;= 6{,}000+500=\\$6{,}500 \\\\ D &amp;= 1{,}800+350+200+100=\\$2{,}450 \\\\ \\text{DTI front-end} &amp;= \\frac{1{,}800}{6{,}500}\\times100\\%=27.69\\% \\\\ \\text{DTI back-end} &amp;= \\frac{2{,}450}{6{,}500}\\times100\\%=37.69\\% \\\\ \\text{Limite de d\u00edvida de 36\\%} &amp;= 6{,}500\\times0.36=\\$2{,}340 \\\\ \\text{Limite de d\u00edvida de 43\\%} &amp;= 6{,}500\\times0.43=\\$2{,}795 \\\\ \\text{Redu\u00e7\u00e3o para atingir 36\\%} &amp;= 2{,}450-2{,}340=\\$110 \\end{aligned} \\]<\/p>\n<p><strong>Resultado:<\/strong> o DTI front-end \u00e9 de 27,69% e o back-end, de 37,69%, classificado como \u201cAceit\u00e1vel\u201d por esta calculadora. Os limites mensais totais de d\u00edvida s\u00e3o $2.340 a 36% e $2.795 a 43%; para chegar a 36% seria preciso reduzir $110 nos pagamentos mensais obrigat\u00f3rios.<\/p>\n<p>\n\r\n<\/section>\n<h2>Como usar a calculadora<\/h2>\n<ol>\n<li>Escolha o <strong>per\u00edodo de informar a renda<\/strong>: mensal ou anual. Digite <strong>Sal\u00e1rio<\/strong> e <strong>Outras rendas<\/strong> como valores brutos referentes a esse mesmo per\u00edodo. Se mudar o per\u00edodo, atualize os dois valores: a calculadora n\u00e3o converte os n\u00fameros j\u00e1 digitados.<\/li>\n<li>Informe seu <strong>pagamento mensal da moradia<\/strong> obrigat\u00f3rio. Para aluguel, use o valor mensal. Para financiamento imobili\u00e1rio, inclua principal, juros, impostos, seguro e encargos habitacionais aplic\u00e1veis.<\/li>\n<li>Preencha <strong>Financiamento de ve\u00edculo<\/strong>, <strong>Financiamento estudantil<\/strong>, <strong>Pagamento m\u00ednimo do cart\u00e3o de cr\u00e9dito<\/strong>, <strong>Empr\u00e9stimos pessoais<\/strong>, <strong>Pens\u00e3o aliment\u00edcia<\/strong> e <strong>Outras d\u00edvidas mensais<\/strong>. Use as parcelas mensais, n\u00e3o os saldos devedores, e deixe em zero o campo que n\u00e3o se aplicar.<\/li>\n<li>Leia o <strong>DTI front-end (moradia)<\/strong> e o <strong>DTI back-end (todas as d\u00edvidas)<\/strong>. Em seguida, compare a <strong>classifica\u00e7\u00e3o do DTI back-end<\/strong>, os <strong>par\u00e2metros usuais dos credores<\/strong>, os dois valores de d\u00edvida mensal m\u00e1xima e a <strong>Redu\u00e7\u00e3o da d\u00edvida mensal para atingir 36%<\/strong>.<\/li>\n<\/ol>\n<h2>O que o \u00edndice d\u00edvida\/renda revela<\/h2>\n<p>O \u00edndice d\u00edvida\/renda, ou DTI, \u00e9 a fatia da sua renda mensal bruta comprometida com pagamentos mensais obrigat\u00f3rias. Bruto significa antes de impostos e outros descontos. Um DTI back-end de 37,69% significa que cerca de $37,69 de cada $100 de renda mensal bruta v\u00e3o para o pagamento da moradia e das demais d\u00edvidas informadas. Isso n\u00e3o quer dizer que o restante esteja livre para gastar: impostos, alimentos, contas de servi\u00e7os p\u00fablicos, poupan\u00e7a e outros custos continuam a ser pagos.<\/p>\n<p>O DTI front-end isola a moradia, enquanto o back-end soma as demais obriga\u00e7\u00f5es. Observar os dois mostra se \u00e9 a moradia ou as outras d\u00edvidas que puxam o total para cima. Se voc\u00ea est\u00e1 pensando em comprar um im\u00f3vel, teste o novo pagamento habitacional estimado em vez de som\u00e1-lo automaticamente ao aluguel que a compra substituiria. Uma <a href=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-credito-habitacao\/\">calculadora de financiamento imobili\u00e1rio<\/a> pode ajudar a estimar uma parcela para informar aqui.<\/p>\n<p>A calculadora exibe pontos de refer\u00eancia usuais de 28% no front-end e 36% no back-end para empr\u00e9stimos convencionais, 31% e 43% para empr\u00e9stimos FHA, e o valor de 41% no back-end frequentemente citado para empr\u00e9stimos VA. S\u00e3o par\u00e2metros gerais, n\u00e3o regras universais de aprova\u00e7\u00e3o. A classifica\u00e7\u00e3o descreve apenas o \u00edndice back-end calculado: n\u00e3o \u00e9 uma decis\u00e3o do credor. A calculadora classifica depois de arredondar o \u00edndice para o n\u00famero inteiro mais pr\u00f3ximo, ent\u00e3o a classifica\u00e7\u00e3o pode mudar perto de um par\u00e2metro exibido.<\/p>\n<h2>Premissas e limita\u00e7\u00f5es pr\u00e1ticas<\/h2>\n<ul>\n<li><strong>Mantenha os per\u00edodos coerentes.<\/strong> A renda pode ser mensal ou anual; os pagamentos de d\u00edvidas devem ser sempre mensais. A renda mensal bruta total precisa ser maior que zero.<\/li>\n<li><strong>Conte cada pagamento obrigat\u00f3rio uma \u00fanica vez.<\/strong> No caso dos cart\u00f5es de cr\u00e9dito, informe o m\u00ednimo exigido, n\u00e3o o saldo devedor nem pagamentos extras opcionais. Coloque cada obriga\u00e7\u00e3o em apenas um campo de d\u00edvida.<\/li>\n<li><strong>Verifique o que o credor vai considerar.<\/strong> O tratamento de rendas vari\u00e1veis ou outras, pagamentos de pens\u00e3o, encargos habitacionais e d\u00edvidas espec\u00edficas pode variar conforme o credor e o programa de empr\u00e9stimo. O credor tamb\u00e9m pode avaliar hist\u00f3rico de cr\u00e9dito, patrim\u00f4nio e documenta\u00e7\u00e3o que esta calculadora n\u00e3o leva em conta.<\/li>\n<li><strong>Interprete a redu\u00e7\u00e3o como uma meta de pagamento.<\/strong> A \u201cRedu\u00e7\u00e3o da d\u00edvida mensal para atingir 36%\u201d \u00e9 a diferen\u00e7a entre os pagamentos mensais obrigat\u00f3rios atuais e 36% da renda, com piso de zero. N\u00e3o \u00e9 o valor de principal que voc\u00ea precisa amortizar. Se voc\u00ea estiver simulando um pagamento diferente, uma <a href=\"https:\/\/wpcalc.com\/pt\/financas\/consolidacao-de-dividas\/\">calculadora de pagamento de consolida\u00e7\u00e3o de d\u00edvidas<\/a> ou uma <a href=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-credito-automovel\/\">calculadora de financiamento de ve\u00edculo<\/a> pode ajudar a estimar um valor para testar aqui.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Calcule seus \u00edndices d\u00edvida\/renda habitacional (front-end) e total (back-end) a partir da renda bruta e das parcelas mensais obrigat\u00f3rias. Informe a renda em valores mensais ou anuais e cada pagamento de d\u00edvida sempre como valor mensal.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[57],"class_list":["post-2942","post","type-post","status-publish","format-standard","hentry","category-financas","tag-hipotecas"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/2942","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/comments?post=2942"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/2942\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/media?parent=2942"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/categories?post=2942"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/tags?post=2942"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}