Kalkulatè pou pri kay
Estime ki sa pri yon kay ou ka peye apati revni ou, dèt ou ak peman premye fwa ou.
Rezilta yo mete ajou pandan w ap ekri.
Atik sa a
A home affordability calculator estimates the house price you can comfortably buy based on your income, existing monthly debts and down payment. It applies the standard lender debt-to-income limits — a front-end housing ratio and a back-end total-debt ratio — to find your maximum monthly payment, then works backward through the mortgage formula to a loan amount and a home price.
The two limits are the well-known 28/36 rule: housing should stay under 28% of gross monthly income, and all debt including housing under 36%. The tool takes the lower resulting payment. For example, on an 80,000 salary with 500 of other monthly debts, the back-end limit allows 1,900 for housing; after setting aside roughly 425 for property tax and insurance, about 1,442 covers principal and interest, which at 7% over 30 years supports a loan near 217,000 — so with 40,000 down, a home around 257,000.
Use it as a starting point for house-hunting and to see how a bigger down payment, a lower rate or paying off a car loan changes your budget. It estimates the loan you can carry, not a guaranteed approval; lenders also weigh credit score, employment and reserves, so treat the figure as an upper bound.
Kesyon ki poze souvan
Ki sa ki se règleman 28/36?
Yon gid pou moun ki bay lajan an: pa depanse plis pase 28% nan revni brut ou chak mwa sou pwopriyete (ratio front-end) epi pa plis pase 36% sou tout dèt ou ki gen ladan pwopriyete (ratio back-end).
Èske sa gen ladan taks sou pwopriyete ak asirans?
Pa — li estime pri kredi a ak enterè ou ka peye. Reyalite a se ke pri kredi a se yon ti kras pi ba lè taks sou pwopriyete, asirans kay ak nenpòt frè HOA yo ajoute, se konsa konsidere sa kòm yon limit anwo.
Ki kantite lajan mwen ka peye pou yon kay ak salè m?
Yon gid apwòch se 3 a 5 fwa revni anyèl ou a, men limit reyèl la soti nan peman menyèl revni ou a ak dèt ou yo sipòte a pousantaj ki egziste a. Enskri nimewo ou yo anwo a; yon pousantaj enterè ki pi wo a ba anpil pri ou ka peye pou menm bidjè menyèl la.
Èske yon depo pi gwo pèmèt mwen peye plis pou kay la?
Wi, de fwa plis. Depo a ajoute dirèkteman nan pri ou ka achte a, epi lè ou rive 20% ou retire asirans ipotèk la, sa fè ou ka libere plis lajan nan bidjè ou chak mwa pou peye kapital ak enterè.
Poukisa peye lòt dèt ogmante sa mwen ka peye?
Pou chak dola ou peye pou yon machin oswa yon kat kredi, ou ka libere yon dola nan bidjè mennaj ou pou rezidans, sa ki ka ajoute dè milye de dola nan pri kay ou kalifye pou.
Ki sa ki koute deyò kapital ak enterè mwen dwe planifye pou?
Taks sou pwopriyete, asirans pou pwopriyetè kay, nenpòt frè HOA ak asirans ipotèk tout monte sou tèt de kapital ak enterè, plis depans antretyen ak fen. Se nan zòn avanse yo ou ka antre taks, asirans ak HOA pou pri abòdab reflete pri menyèl la, pa sèlman kredi a.
API — itilize sa a calculateur soti nan kòd
Apèl sa a calculateur kòm yon gratis JSON pwent-de-fini - pa gen okenn kle ki nesesè. Envoye valè jaden anba a kòm paramèt kesyonè oswa JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Li dokiman API a an antye →
Endpoint
GET https://calculator.free/api/v1/home-affordability/curl
curl "https://calculator.free/api/v1/home-affordability/?income=80000&debts=500&down=40000&rate=7&years=30"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/home-affordability/?" + new URLSearchParams({
"income": "80000",
"debts": "500",
"down": "40000",
"rate": "7",
"years": "30"
}));
const data = await r.json();
console.log(data.results);Rezilta yo se estimasyon pou kòmandman jeneral sèlman, pa finansye, medikal oswa konsèy taks.