House affordability calculator

如何使用House affordability calculator

它计算什么，何时使用

This estimates the 首页 价格 you could afford、working backwards 从 your income, existing debts, 首付、the share income lenders typically allow件housing.

使用步骤

1. Enter household income before 税款 和 your regular 每月 debt payments.
2. Add your 首付、expected 利息 利率、loan 期限.
3. Set property 税款、insurance、any 每月 service charge.
4. Leave the limits 以 28% 和 36%, 或 change them 至 match your lender.

各输入项的含义

• Household income – Gross income 每 年份.
• 每月 debts – Payments on cards、loans、cars, but not rent.
• 首付 – Cash you will put down.
• Property 税款 和 insurance – 每年 costs as a 百分比 the 价格.
• Housing limit – The maximum share gross income件housing. 28% 是 the traditional guide.
• All debts limit – The maximum share income件housing plus all other debts. 36% 是 traditional.

如何阅读结果

• 价格 you could afford – 首页 价格 以 which the 每月 成本 reaches the lower the two limits.
• 每月 housing 成本 – The budget available, 和 which limit set it.
• Mortgage、税款、insurance – How that budget 是 divided.

公式

Housing budget = the lower (income ÷ 12 × housing limit) 和 (income ÷ 12 × all-debts limit − monthly debts). Price = (budget − charges + deposit × f) ÷ (f + t)、where f 是 the mortgage payment per unit borrowed、t 是 monthly tax 和 insurance 占 价格. 的比例

计算示例

Income 80,000、每月 debts 300、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 是 about 296,343 with a 256,343 mortgage.

假设与局限

• Lenders also consider credit 历史、savings, job stability、stress-test your payments 以 higher rates.
• The 28/36 rule 是 a guide, 和 your country may use income multiples instead. 的 lenders
• 税款 和 insurance are simple percentages price.

常见错误

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

常见问题

相关工具