House affordability calculator

Cara menggunakan House affordability calculator

Apa yang dihitung dan kapan digunakan

This estimates the Beranda Harga you could afford, working backwards Dari your income, existing debts, Uang muka, dan the share income lenders typically allow seharga housing.

Cara menggunakan, langkah demi langkah

1. Enter household income before Pajak dan your regular Bulanan debt payments.
2. Add your Uang muka, expected Bunga Suku bunga, dan loan Jangka waktu.
3. Set property Pajak, insurance, dan any Bulanan service charge.
4. Leave the limits Pada 28% dan 36%, atau change them sampai match your lender.

Arti setiap input

• Household income – Gross income per Tahun.
• Bulanan debts – Payments on cards, loans, dan cars, but not rent.
• Uang muka – Cash you will put down.
• Property Pajak dan insurance – Tahunan costs as a Persentase the Harga.
• Housing limit – The maximum share gross income seharga housing. 28% adalah the traditional guide.
• All debts limit – The maximum share income seharga housing plus all other debts. 36% adalah traditional.

Cara membaca hasil

• Harga you could afford – Beranda Harga Pada which the Bulanan Biaya reaches the lower the two limits.
• Bulanan housing Biaya – The budget available, dan which limit set it.
• Mortgage, Pajak, dan insurance – How that budget adalah divided.

Rumus

Housing budget = the lower (income ÷ 12 × housing limit) dan (income ÷ 12 × all-debts limit − monthly debts). Price = (budget − charges + deposit × f) ÷ (f + t), where f adalah the mortgage payment per unit borrowed, dan t adalah monthly tax dan insurance sebagai bagian dari Harga.

Contoh perhitungan

Income 80,000, debts 300 per bulan, dan a 40,000 deposit at 6.5% over 25 years. The 28% limit gives 1,866.67 a month, below the all-debts limit, so the estimate adalah about 296,343 with a 256,343 mortgage.

Asumsi dan batasan

• Lenders also consider credit Sejarah, savings, job stability, dan stress-test your payments Pada higher rates.
• The 28/36 rule adalah a guide, dan lenders di your country may use income multiples instead.
• Pajak dan insurance are simple percentages price.

Kesalahan umum

• Treating the Hasil as a lending offer.
• Leaving out upkeep, utilities, dan moving costs.
• Forgetting that a variable Suku bunga could raise the payment.

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