Home Affordability Calculator
Kufungidzira kuti zvakaoma sei imba iwe unogona kubhadharisa kubva mari yako, zvikwereti uye kubhadharisa.
Zvinyorwa zvinogadziridzwa paunenge uchinyora.
Nezve iyi kalkulator
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.
Zvimwe zvinobvunzwa zvakanyanya
Ndezvipi zvinodiwa kuti uwane 28/36?
Mutemo unozivikanwa wekuti munhu anofanira kubhadharisa mari yemubhadharo wake wemwedzi uno, haufanire kushandisa kupfuura 28% yemari yako yemwedzi pamari yemubhadharo wako wemwedzi uno (front-end ratio) uye haufanire kushandisa kupfuura 36% yemari yako yemubhadharo wemwedzi uno (back-end ratio).
Izvi zvinosanganisira mari yezvivakwa uye mari yechikwereti?
Hapana — inofungidzira mari yechikwereti uye mari yemutero yaungabhadhara. Real affordability inenge iri pasi pemari yemutero wezvivakwa, imba insurance uye chero HOA mitero yaungabhadhare. Izvi zvinotibatsira kuona kuti mari yacho iri pamusoro pemari yaungabhadhara.
Ndezvipi zvivakwa zvandinowana nemari yangu yemubhadharo?
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.
Chii chinoitika kana ndichitenga imba nemari yakawanda?
Yeah, 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.
Nei kubhadharisa zvimwe zvikwereti zvichiwedzera mari yandiri kukwanisa kubhadharisa?
Nekuti back-end 36% chiyero anofungidzira zvese zvikwereti zvako. 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.
Ndezvipi zvinodarika mari yechikwereti uye mari yemubhadharo zvandinoda kutarisira?
Property tax, homeowners insurance, chero HOA mibairo uye mortgage insurance zvese kukwira pamusoro pemutemo uye mukurumbira, pamwe nekuchengetedza uye kuvharwa mari. The advanced fields let you enter tax, insurance and HOA so the affordable price reflects the full monthly cost, not just the loan.
API — kushandisa iyi kalkulator kubva code
Nhare iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo mavara pasi separameter query kana JSON. Chii zvachose chaunoisa kunze chinoshandisa default iyo peji iri rakasviba nayo; parameter isiri yechokwadi inonzi 400, uye haisi zero. Tora yakazara API docs →
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);Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.