Home Affordability Calculator
Kuyerekeza mmene mtengo nyumba mungathe kulipira kuchokera ndalama zanu, ngongole ndi kulipira pansi.
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
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.
Mafunso ofunsidwa nthawi zambiri
Kodi ndi chiyani malamulo 28/36?
Mfundo yothandiza yokhudzana ndi kulipira ndalama: musagwiritse ntchito ndalama zoposa 28% ya ndalama zanu zonse za mwezi pa nyumba (kuphatikiza ndalama zoyambira) ndi ndalama zoposa 36% pa ngongole zonse kuphatikizapo nyumba (kuphatikiza ndalama zoyambira).
Kodi izi zikuphatikizapo ndalama za ngongole ndi ndalama za inshuwaransi?
Sichoncho - amawerengera ndalama zochuluka zomwe mungalandire ndi ndalama zomwe mungalandire. Kukhala ndi ndalama zochuluka kwambiri kumatha kubweretsa ndalama zochuluka kwambiri. Kukhala ndi ndalama zochuluka kwambiri kumatha kubweretsa ndalama zochuluka kwambiri.
Kodi ndi nyumba iti yomwe ndingapeze pa ndalama zanga?
Mfundo yoyamba ndi kuti ndalama zanu za chaka ziyenera kukhala pafupifupi 3 mpaka 5 nthawi ya ndalama zanu zonse za chaka, koma malire a ndalama zanu ziyenera kukhala pafupifupi 100% ya ndalama zanu zonse za chaka. Inu muyenera kulemba ndalama zanu pamwambapa. Mtengo wotsika kwambiri wa ndalama umachepetsa mtengo womwe mungapeze pa ndalama zanu zonse za mwezi.
Kodi kulipira ndalama zoyamba zambiri kungandilole kulipira nyumba zambiri?
Yes, twice over. The down payment adds directly to the price you can buy, and getting to 20% removes mortgage insurance, freeing more of your monthly budget for principal and interest. It also lowers the loan, reducing lifetime interest.
N’chifukwa chiyani kulipira ngongole zina kumawonjezera ndalama zomwe ndingathe kulipira?
Popeza malire a 36% a back-end amawerengera zonse zomwe mumalipira.Kawirikawiri, ndalama iliyonse yagalimoto kapena ngongole yakhadi yomwe mumalipira imatulutsa ndalama ya mwezi wa ndalama za nyumba, zomwe zingawonjezere mamiliyoni ambiri ku mtengo wa nyumba yomwe mumalandira.
Kodi ndi ndalama ziti zowonjezerapo zomwe ndiyenera kupanga ndalama?
Kodi ndalama zachuma, ndalama za nyumba, ndalama za HOA ndi ndalama za mortgage zimachokera pa ndalama zazikulu ndi ndalama zochuluka, kuphatikizapo ndalama zomanga nyumba ndi ndalama zotsegulira. Madera oyamba amakupatsani mwayi wolemba ndalama, ndalama zachuma ndi HOA kuti mtengo wotsika mtengo uwonetse ndalama zonse za mwezi, osati ndalama zokha.
API — kugwiritsa ntchito izi calculator kuchokera code
Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Chomweko chilichonse chimene mumasiya chimagwiritsa ntchito mfundo yoyamba yomweyi yomwe tsambali limagwiritsa ntchito; mfundo yosadziwika ndi 400, siyiyenera kukhala zero yosadziwika. Onani zonse API docs →
Chithunzi
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);Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.