Ҳисобкунандаи дастрасии хона
Дар ин ҷо шумо метавонед ба нархи хона, даромад, қарз ва пардохти аввалӣ баҳо диҳед.
Натиҷаҳо ҳангоми навиштан нав карда мешаванд.
Дар бораи ин ҳисобкунак
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.
Саволҳои маъмул
Қоидаҳои 28/36 чист?
A common lender guideline: spend no more than 28% of gross monthly income on housing (the front-end ratio) and no more than 36% on all debt including housing (the back-end ratio). This tool takes the lower of the two limits.
Оё ин андози амвол ва суғуртаро дар бар мегирад?
Не - он ҳисоб мекунад, ки қарзи асосӣ ва фоизи шумо метавонед бардоред. Ҳақиқии дастрасӣ як каме пасттар аст, вақте ки андози молу мулк, суғуртаи хона ва ҳамаи HOA пардохтҳо илова карда мешаванд, бинобар ин рақамро ҳамчун ҳадди болоӣ истифода баред.
Аз маоши ман чӣ қадар хона харидан мумкин аст?
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.
Оё бо пардохти маблағи калонтар ман метавонам хонаи бештаре харида гирам?
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.
Чаро дар ин ҷо барои дарёфти чизе, ки мехоҳам, аз дигарон зиёдтар кӯшиш мекунам?
Because the back-end 36% limit counts all your debt. 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.
Чӣ гуна бояд ба раванди гузаронидани имтиҳонҳо ва санҷишҳо омодагӣ гирифт?
Property tax, homeowners insurance, any HOA dues and mortgage insurance all ride on top of principal and interest, plus upkeep and closing costs. The advanced fields let you enter tax, insurance and HOA so the affordable price reflects the full monthly cost, not just the loan.
API — истифодаи ин ҳисобкунак аз рамз
Ин ҳисобгарро ҳамчун нуқтаи охирини JSON озод даъват кунед - ягон калид лозим нест. Қимматҳои заминаро дар поён ҳамчун параметрҳои пурсиш ё JSON фиристед. Ҳар чизе, ки шумо нобуд мекунед, ҳамон пешфарзи ин саҳифаро истифода мебарад, ки пешакӣ пур карда шудааст; параметри номуайян 400 аст, ҳеҷ гоҳ сифр нест. Хондани ҳуҷҷати пурраи API →
Нуқтаи охирин
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);Ин натиҷаҳо танҳо барои маслиҳати умумӣ, на маслиҳати молиявӣ, тибби ё андозӣ мебошанд.