Guriga Affordability Calculator
Qiimayn sida qiimaha guriga aad ka heli kartaa ka soo ganacsatadaada, deymaha iyo lacagaha hoose.
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
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.
Su'aalaha badanaa la isweydiiyo
Maxay yihiin xeerarka 28/36?
A tilmaame deyn bixiye caadi ah: ku bixi aan ka badan 28% ee dakhliga bishii guud ee guryaha (ka hor-dhamaadka ratio) iyo aan ka badan 36% ee deynta oo dhan oo ay ku jiraan guryaha (ka dib-dhamaadka ratio).
Ma waxaa ku jira canshuurta hantida iyo caymiska?
Ha - waxay tirakoobka deynta iyo faa'iidada aad qaadi karto. Real lacagta waa mid aad u yar marka lacagta hantida, caymiska guriga iyo wixii HOA lacagta la kordhiyay, sidaas daraaddeed u dhaqmaan sida sawirka sida xad sare.
Sidee badan guriga aan ku heli karaa mushaharkayga?
A tilmaame ah oo ka kooban yahay 3 ilaa 5 jeer ee dakhliga guud ee sanadlaha ah, laakiin xaddidaadda dhabta ah ka yimaado bishan lacag bixintaada dakhliga iyo deynta taageerada ee heerarka hadda jira. Ku soo geli lambarada kor ku xusan; heerka faa'iido sare oo si aad ah u hoos u qiimaha aad ku siin kartaa miisaaniyadda bishan oo isku mid ah.
Ma lacag bixin weyn oo hoose ii ogolaanaya in aan guriga ka badan?
Haa, laba jeer ka badan. Lacagta hoos u soo kordhiya si toos ah qiimaha aad iibsan karto, iyo helitaanka 20% ka saaro caymiska guriga, ka sii xorayn ee miisaaniyaddaada bishan ee aasaasiga ah iyo faa'iido. Waxay sidoo kale hoos u deyn, yareynta faa'iido nolosha.
Maxaa ka dhigaya in la bixiyo deynta kale oo kordhiya waxa aan awoodo?
Sababtoo ah back-end 36% xaddidaadda tirada dhammaan deyntaada. Dollar kasta oo gaari ama kaar lacag aad cad ka dhigi dollar ka mid ah miisaaniyadda bil kasta ee guryaha, taas oo ay ku dari karaan boqolaal kun oo guriga qiimaha aad xaq u leedahay.
Maxaa ku kacaya in ka badan qiimaha iyo faa'iido aan u qorsheeyo?
Deynta hantida, caymiska guryaha, wixii HOA iyo caymiska guriga oo dhan ku socdaan korka aasaasiga ah iyo faa'iido, iyo sidoo kale dayactirka iyo qiimaha xiran. Dugsiyada sare waxaad geli kartaa deynta, caymiska iyo HOA si qiimaha lacagta bil kasta oo dhan, ma aha oo kaliya deynta.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
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);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.