House affordability calculator

House affordability calculatorの使い方

何を計算するか、いつ使うか

This estimates the ホーム 価格 you could afford、working backwards 開始 your income, existing debts, 頭金、income lenders typically allow the share個でhousing.

使い方の手順

1. Enter household income before 税額とyour regular 毎月 debt payments.
2. Add your 頭金、expected 利息 利率、loan 期間.
3. Set property 税額、insurance、any 毎月 service charge.
4. Leave the limits 適用 28%と36%,またはchange them〜match your lender.

各入力項目の意味

• Household income – Gross income 単位 年.
• 毎月 debts – Payments on cards、loans、cars, but not rent.
• 頭金 – Cash you will put down.
• Property 税額とinsurance – the 価格. 毎年 costs as a 割合
• Housing limit – gross income The maximum share個でhousing. 28%はthe traditional guide.です
• All debts limit – income The maximum share個でhousing plus all other debts. 36%はtraditional.です

結果の読み方

• 価格you could afford – the two limits. ホーム 価格 適用 which the 毎月 原価 reaches the lower
• 毎月 housing 原価 – The budget available,とwhich limit set it.
• Mortgage、税額、insurance – How that budgetはdivided.です

計算式

価格.に占める(income ÷ 12 × housing limit) Housing budget = the lowerと(income ÷ 12 × all-debts limit − monthly debts). Price = (budget − charges + deposit × f) ÷ (f + t)、where fはthe mortgage payment per unit borrowedです、tはmonthly taxですとinsuranceの割合

計算例

80,000 Income、月300 debts、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はabout 296,343 with a 256,343 mortgage.です

前提と限界

• Lenders also consider credit 歴史、savings, job stability、stress-test your payments 適用 higher rates.
• The 28/36 ruleはa guide,ですとyour country may use income multiples instead.のlenders
• 税額とprice. insurance are simple percentages

よくある間違い

• Treating the 結果 as a lending offer.
• Leaving out upkeep、utilities、moving costs.
• Forgetting that a variable 利率 could raise the payment.

よくある質問

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