Kalkulatur tal-Affordabilità tad-Dar
Stima kemm jiswa dar li tista' taffordja mid-dħul tiegħek, id-djun u l-ħlas bil-quddiem.
Riżultati aġġornament kif inti tip.
Dwar din il-kalkulatur
home affordability calculator calculates the maximum monthly payment for a home, 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. For example, on a 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, so with 40,000 down, a home around 257,000.The home affordability calculator calculates the maximum monthly payment for a home, based on your income, existing monthly debts, and down payment.The tool calculates the maximum monthly payment for a home, based on your income, existing monthly debts, and down payment.The tool calculates the maximum monthly payment for a home, based on your income, existing monthly debts, and down payment.The tool calculates the maximum monthly payment for a home, based on your income, existing monthly debts, and down payment.The tool calculates the maximum monthly payment for a home.The calculator is a free tool.Use it as a starting point for house-hunting and to see how your budget changes.Use it as a starting point for house-hunting and to see how your budget changes.Use it as a starting point for house-hunting and to see how your budget changes.Use it as a starting point for house-hunting and to see how your budget changes.Use it as a starting point for house-hunting and to see how your budget changes.Use it as a starting point for house-hunting and to see how your budget changes.Use it as a starting point for house-hunting and to see how your budget changes.Use it as a starting point for house-hunting and to see how your budget changes.Use it as a starting point for house-hunting and to see how your budget changes.Use it
Mistoqsijiet li jsiru ta' spiss
X’inhuma r-regoli 28/36?
Linja gwida komuni għas-selliefa: ma jonfqux aktar minn 28% tad-dħul gross ta’ kull xahar fuq id-djar (il-proporzjon ta’ quddiem) u mhux aktar minn 36% fuq id-dejn kollu inkluż id-djar (il-proporzjon ta’ wara) Din l-għodda tieħu l-inqas limitu miż-żewġ limiti.
Dan jinkludi t-taxxa fuq il-proprjetà u l-assigurazzjoni?
Le — dan jikkalkula l-kapital u l-imgħax tas-self li tista' tħallas. Il-prezzijiet reali huma ftit aktar baxxi meta jiżdiedu t-taxxa fuq il-proprjetà, l-assigurazzjoni tad-dar u kwalunkwe tariffa tal-HOA. Għalhekk, ikkunsidra din iċ-ċifra bħala limitu massimu.
Kemm dar nista’ naffordja fuq is-salarju tiegħi?
Gwida bejn wieħed u ieħor hija 3 sa 5 darbiet id-dħul annwali gross tiegħek, iżda l-limitu reali jiġi mill-ħlas ta' kull xahar id-dħul tiegħek u d-djun appoġġ bir-rati attwali.Idħol in-numri tiegħek hawn fuq; rata ta' imgħax ogħla tbaxxi b'mod qawwi l-prezz li tista' taffordja għall-istess baġit ta' kull xahar.
Does ħlas akbar down let me afford aktar dar?
Iva, darbtejn aktar. Il-ħlas bil-quddiem jiżdied direttament mal-prezz li tista’ tixtri, u meta tilħaq 20% tneħħi l-assigurazzjoni tal-ipoteka, u b’hekk tħalli aktar ħin fil-baġit ta’ kull xahar tiegħek għall-kapital u l-imgħax.
Għaliex il-ħlas ta’ dejn ieħor iżid dak li nista’ naffordja?
Għaliex il-back-end 36% limitu jgħodd id-dejn kollu tiegħek.Kull dollaru tal-karozza jew kard ħlas inti ċar ħielsa dollaru tal-baġit ta' kull xahar għall-akkomodazzjoni, li jistgħu jżidu għexieren ta' eluf għall-prezz tad-dar inti tikkwalifika għall.
Għal liema spejjeż minbarra l-kapital u l-imgħax għandi nippjana?
It-taxxa fuq il-proprjetà, l-assigurazzjoni tas-sidien tad-dar, kwalunkwe dovuti HOA u l-assigurazzjoni ipoteka kollha ride fuq fuq tal-kapital u l-interess, flimkien mal-manutenzjoni u l-għeluq spejjeż.L-oqsma avvanzati let inti jidħlu taxxa, assigurazzjoni u HOA sabiex il-prezz affordabbli jirrifletti l-ispiża sħiħa ta' kull xahar, mhux biss is-self.
API — uża din il-kalkulatur mill-kodiċi
Sejjaħ dan il-kalkulatur bħala punt aħħari JSON b'xejn — l-ebda ċavetta meħtieġa Ibgħat il-valuri tal-qasam hawn taħt bħala parametri tal-mistoqsija jew JSON. Aqra d-dokumenti sħaħ tal-API →
Punt aħħari
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);Ir-riżultati huma stimi għal gwida ġenerali biss, mhux parir finanzjarju, mediku jew tat-taxxa.