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Paula Del Rey
En este curso basado en un proyecto y de 2 horas de duración, aprenderás a crear una hoja de asequiblidad del hogar para calcular el rango de valores de vivienda que puede comprar, así como el pago mensual de la hipoteca. Utilizarás valores de ingreso anual bruto y deudas y gastos mensuales, así como parámetros de la hipoteca para calcular estos valores. Finalmente, representarás los gastos mensuales en un gráfico de anillo. Nota: Este curso es de mayor utilidad para estudiantes que residen en la región de América del Norte. Actualmente, estamos trabajando para proporcionar la misma experiencia en otras regiones.
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Good to know

Know what's good
, what to watch for
, and possible dealbreakers
Ideal for residents of North America
Practical, project-based learning
Focuses on calculating home affordability metrics
Taught by Paula Del Rey
Requires an understanding of income, expenses, and mortgage parameters
May not be as relevant for individuals outside North America

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Activities

Be better prepared before your course. Deepen your understanding during and after it. Supplement your coursework and achieve mastery of the topics covered in Crear una hoja de asequilibilidad del hogar en Google Sheets with these activities:
Read 'The Complete Idiot's Guide to Buying a Home'
This book provides a comprehensive overview of the home buying process, from getting pre-approved for a mortgage to closing on your new home.
Show steps
  • Read the book cover-to-cover
  • Take notes on the key concepts
  • Highlight passages that you find particularly helpful
Watch a Tutorial on Understanding Credit Reports
Understanding credit reports is essential for getting a good mortgage rate. This tutorial will teach you how to read and understand your credit report.
Show steps
  • Find a reputable tutorial on understanding credit reports
  • Watch the tutorial and take notes
Practice Calculating Mortgage Payments
Practicing mortgage calculations will help you understand how different factors, such as interest rate and loan term, affect your monthly payment.
Browse courses on Mortgage Calculations
Show steps
  • Use a mortgage calculator to calculate your monthly payment for different loan amounts, interest rates, and loan terms
  • Compare the results of your calculations to see how different factors affect your monthly payment
Two other activities
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Create a Household Budget Worksheet
Creating a budget worksheet will force you to think about your monthly expenses and income, which will help you make better financial decisions.
Browse courses on Expense Tracking
Show steps
  • Gather your financial statements (bank account, credit card, etc.)
  • List all of your monthly income sources
  • List all of your monthly expenses (fixed and variable)
  • Subtract your expenses from your income to calculate your monthly surplus or deficit
Volunteer with a Habitat for Humanity
Volunteering with Habitat for Humanity can help you learn about home construction and give back to your community.
Browse courses on Volunteering
Show steps
  • Find a Habitat for Humanity affiliate in your area
  • Sign up for a volunteer orientation
  • Attend a volunteer training session
  • Help build or repair homes with other volunteers

Career center

Learners who complete Crear una hoja de asequilibilidad del hogar en Google Sheets will develop knowledge and skills that may be useful to these careers:
Mortgage Broker
Mortgage Brokers help clients navigate the process of securing a mortgage, from pre-approval to closing. This course can help Mortgage Brokers build a foundation in understanding mortgage parameters and calculating affordability, enabling them to provide clients with informed guidance on their home-buying journey.
Real Estate Agent
Real Estate Agents assist clients in buying, selling, or renting properties. This course can help Real Estate Agents understand the financial aspects of homeownership, allowing them to better advise clients on affordability and mortgage options, ultimately enhancing their clients' real estate experiences.
Financial Analyst
Financial Analysts evaluate the financial performance of companies and make recommendations on investments. This course can help Financial Analysts build a foundation in understanding household finances, enabling them to better assess the financial health of individuals and households, which is crucial for making sound investment decisions.
Budget Analyst
Budget Analysts plan and manage financial resources for organizations. This course can help Budget Analysts understand household budgeting and financial planning, enabling them to develop more effective financial strategies for organizations, ensuring efficient use of resources and long-term financial stability.
Personal Finance Advisor
Personal Finance Advisors provide financial advice and guidance to individuals and families. This course can help Personal Finance Advisors build a foundation in understanding household finances and affordability, enabling them to offer clients tailored advice that meets their financial goals and objectives.
Loan Officer
Loan Officers assist borrowers in obtaining loans, including mortgages. This course can help Loan Officers understand mortgage parameters and affordability, enabling them to make informed decisions and provide personalized guidance to borrowers, ensuring a smooth and successful loan process.
Financial Planner
Financial Planners help individuals and families plan for their financial future. This course can help Financial Planners build a foundation in understanding household finances and affordability, enabling them to develop comprehensive financial plans that meet clients' unique needs and goals.
Credit Counselor
Credit Counselors help individuals and families manage their debt and improve their financial literacy. This course can help Credit Counselors understand household budgeting and financial planning, enabling them to provide effective guidance and support to clients, helping them overcome financial challenges and achieve financial stability.
Mortgage Underwriter
Mortgage Underwriters assess the risk of mortgage loans. This course can help Mortgage Underwriters understand mortgage parameters and affordability, enabling them to make informed decisions and determine the creditworthiness of borrowers, ensuring responsible lending practices and minimizing financial risks.
Bank Teller
Bank Tellers provide customer service and handle financial transactions. This course may be useful for Bank Tellers who wish to expand their knowledge of household finances and budgeting, enabling them to provide more informed assistance to customers and contribute to the overall financial literacy of the community.
Data Analyst
Data Analysts collect, analyze, and interpret data to identify patterns and trends. This course may be useful for Data Analysts who wish to specialize in household finance or real estate, as it provides a foundation in understanding household affordability and mortgage parameters, enabling them to derive meaningful insights and make data-driven recommendations in these fields.
Customer Service Representative
Customer Service Representatives provide assistance and support to customers. This course may be useful for Customer Service Representatives who work in the financial industry, as it provides a foundation in understanding household finances and budgeting, enabling them to provide more informed and empathetic support to customers facing financial challenges or seeking financial guidance.
Investment Banker
Investment Bankers assist companies and governments in raising capital through various financial instruments. This course may be useful for Investment Bankers who wish to specialize in real estate finance, as it provides a foundation in understanding mortgage parameters and affordability, enabling them to better evaluate and structure real estate-backed investments.
Accountant
Accountants prepare and maintain financial records. This course may be useful for Accountants who wish to specialize in personal or household finance, as it provides a foundation in understanding household budgeting and financial planning, enabling them to offer clients tailored advice and assist them in managing their finances effectively.
Auditor
Auditors examine and evaluate financial records to ensure accuracy and compliance. This course may be useful for Auditors who wish to specialize in the financial services industry, as it provides a foundation in understanding household finances and budgeting, enabling them to identify and mitigate potential financial risks and irregularities in this sector.

Reading list

We've selected six books that we think will supplement your learning. Use these to develop background knowledge, enrich your coursework, and gain a deeper understanding of the topics covered in Crear una hoja de asequilibilidad del hogar en Google Sheets.
This personal finance classic offers practical advice on budgeting, saving, investing, and building wealth, all of which are crucial considerations in determining home affordability.
Provides an accessible introduction to basic economic principles and concepts, providing a solid foundation for understanding the complexities of home affordability.
This practical guide provides a step-by-step plan for getting out of debt, building an emergency fund, and investing for the future, all of which impact home affordability.
This guide is tailored specifically to millennials, addressing their unique financial challenges and providing practical strategies for managing money and achieving homeownership goals.
This resource provides an overview of the Fair Housing Act and the Equal Credit Opportunity Act, ensuring that readers are aware of their rights and responsibilities when it comes to housing affordability and discrimination.

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