Calculator
Nwere ike ịtụle ọnụ ahịa ụlọ ị nwere ike ịzụta site n'inweta gị, ego na ụgwọ n'okpuru.
Nhọrọ ndị ahụ ga-akpụzi mgbe ị na-etipụta.
N'ihe banyere calculator 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.
Ajụjụ ndị a na-ajụkarị
Gịnị bụ iwu 28/36?
A na-emeghe onye na-enyefe iwu: na-ejighị karịa 28% nke gross ọnwa income na ụlọ (na front-end ratio) na ọ bụghị karịa 36% na niile debit gụnyere ụlọ (na azụ-end ratio). Ihe a na-eji ala nke abụọ limits.
Ọ bụ nke a ka ọ na-ekpuchi ego na inweta?
Ọ dịghị - ọ na-atụle ego ego na uru ị nwere ike ịnabata. Real affordability bụ obere ala mgbe ọ bụla property tax, home insurance na ọ bụla HOA ụgwọ na-agbakwunyere, ya mere na-elekọta ihe ngosi dị ka elu bound.
Olee ihe m ga-enwe ike ịzụta n'ụbọchị m na-akwụ ụgwọ?
A rough guide is 3 to 5 times your gross annual income, but the real limit comes from the monthly payment your income and debts support at current rates. Enter your numbers above; a higher interest rate sharply lowers the price you can afford for the same monthly budget.
Ọ bụrụ na m akwụ ụgwọ n’elu, ọ ga-eme ka m nwee ike ịzụta ụlọ ọzọ?
Ya mere, abụọ ugboro n'elu. The ala ụgwọ na-agbakwunye n'ụzọ ziri ezi na ọnụahịa ị nwere ike zụta, na-aga na 20% na-ewepụ mortgage insurance, freeing karịa nke gị ọnwa ego maka isi na ego. Ọ na-ebelata na-akwụ ụgwọ, na-abawanye ndụ ego.
Gịnị mere ịkwụ ụgwọ ego ọzọ ji na-abawanye ihe m nwere ike ịkwụ?
N'ihi na azụ-ekpere 36% limit counts niile gị debit. Every dollar of car or card payment you clear frees a dollar of the monthly budget for housing, which can add tens of thousands to the home price you qualify for.
Kedu ihe ego ndị ọzọ n'ebe ahụ ga-abụ?
Property tax, homeowners insurance, ọ bụla HOA ụgwọ na mortgage insurance niile na-agba ọsọ na elu nke isi na uru, na-agbakwunye upkeep na-emechi ọnụego. The advanced fields let you enter tax, insurance and HOA so the affordable price reflects the full monthly cost, not just the loan.
API — jiri kaadị a site na kóòdù
Kpọọ kalkulata a dịka ebe ngwụcha JSON n'efu - enweghị kii achọrọ. Ziga valiu ebe ahụ n'okpuru dịka paramita ajụjụ mọọbụ JSON. Ihe ọbụla ị na-ewepụ na-eji dìfọ́ọ̀ltụ̀ nke a na-edebe ihuakwụkwọ a na ya; parameter a na-amaghị bụ 400, ọ dịghị sẽọ̀rọ̀. Gụọ ngwe ndị ahụ niile →
Ebemkpofuozi
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);Ihe a na-ahụta bụ n'ihi nlekọta n'ozuzu ya, ọ bụghị nlekọta ego, ọgwụ ma ọ bụ nlekọta ego.