Nyumbani Kifaa cha Kuhesabu Isicho Kudhuru
Makadirio ya gharama ya nyumba ambayo unaweza kulipia kutokana na mapato yako, madeni na malipo yako.
Matokeo yanakuwa bora zaidi unapochapa.
Kuhusu kifaa hiki cha kupigia hesabu
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.
Maswali yaliyoulizwa mara nyingi
Ni kanuni gani 28/36?
Mwongozo wa kawaida wa kukopesha: usitumie zaidi ya asilimia 28 ya mapato ya kila mwezi kwa ajili ya nyumba (sawa na ya mbele) na asilimia 36 kwa deni lote ikiwa ni pamoja na nyumba (sawa na zile za awali). Kifaa hiki hupunguza kiwango cha chini cha gharama hizo mbili.
Je, hiyo yatia ndani kodi ya mali na bima?
Hakuna linalokadiria kwamba mkopo mkuu na riba uwezayo kubeba ni kiasi kidogo cha kodi ya nyumba, bima ya nyumbani na ada yoyote ile huongezwa, kwa hiyo ona kwamba mtu huyo ni wa juu.
Naweza kulipia gharama za nyumba ngapi?
Mwongozo usio wa busara ni mara 3 hadi 5 mapato yako mabaya ya kila mwaka, lakini kiwango halisi hutokana na malipo ya kila mwezi ya mapato yako na madeni kwa kiwango cha sasa.
Je, kiasi kikubwa cha malipo ya chini kinanipa pesa za kulipia nyumba zaidi?
Malipo ya chini huongeza bei ya kununua, na kufikia asilimia 20 huondoa bima ya rehani, na hivyo kupunguza riba ya maisha.
Kwa nini kulipa deni jingine kunaongeza kile niwezacho kulipia?
Kwa sababu kiwango cha mwisho cha asilimia 36 kina thamani ya deni lako. Kila dola ya gari au kadi inakutoza pesa za matumizi ya dola moja kila mwezi kwa ajili ya matumizi ya nyumba, ambayo yaweza kuongeza makumi ya maelfu kwa bei ya nyumbani unayostahili.
Ni gharama gani zaidi ya zile za msingi na za riba ambazo napaswa kupanga kwa ajili ya?
Kodi ya mali, bima ya nyumba, hati yoyote ya HA na bima ya rehani zote za usafiri juu ya kodi kuu na riba, pamoja na gharama za kutunza na kumaliza. Mashamba ya juu yakuruhusu ujiunge na kodi, bima na HOA kwa hiyo bei ya bei nafuu huonyesha gharama kamili ya kila mwezi, si mkopo tu.
API bustanini hutumia kifaa hiki cha hesabu kutoka kwenye mfumo wa sheria
Ipigie simu kifaa hiki cha kupigia hesabu kama Junse É not doot toder. Chochote unachoacha kinatumia kiwango kilekile cha mwisho ambacho ukurasa huu haujakamilika; parameta isiyojulikana ni 400, si sufuri kimya kamwe. Soma habari kamili za API docs →
keyboard label
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);Matokeo ni makadirio ya mwongozo wa ujumla, si wa kifedha, wa kitiba au wa kodi tu.