Aşgabat
Gelin, borç we öňki tölegiňizden öýüň näçe gymmat boljakdygyny hasaplaň.
Netijeler ýazýan wagtyň täzelener.
Bu hasapçy hakda
home affordability calculator calculates the maximum monthly payment for a home, based on your income, existing monthly debts, and down payment. It applies the standard lender debt-to-income 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. 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 about 425 for property tax and insurance, so with 40,000 down, a home around 257,000. The calculator calculates the maximum monthly payment for a home, based on your income, existing monthly debts, and down payment.The calculator calculates the maximum monthly payment for a home, based on your income.Use it as a starting point for house-hunting and for researching the home affordability calculator.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator calculates the maximum monthly payment for a home.The calculator
Köp soralýan soraglar
28/36 düzgüni näme?
Bir ömürlik borç tölemek düzgüni: aýlyk girdejiniň 28% -den azyny öýe sarp etme (öňki-aýaňly gatnaşyk) we 36% -den azyny öýe sarp etme (aşakky-aýaňly gatnaşyk) bilen birlikde ähli borçlara sarp etme. Bu esbap iki çäkden iň kiçisini kabul eder.
Bu emlägiň salgytlary we sığortalary öz içine alýarmy?
Haýal däl - ol tölegiň esasyny we tölegiň töleglerini hasaplaýar. Akyly tölegler, emläk tölegleri, öý sığortasy we HOA tölegleri goşulanda azrak aşak galýar, şuňa görä bu sany üstki çäk hökmünde kabul et.
Men aýlygym bilen näçe öý satyn alyp bilerin?
Bir çakmak ýoluň 3-5 gezek umumy ýyllyk girdäň, emma hakykatda limit aýlyk tölegden gelip çykýar girdäň we borçlaryňyza kömek etmek üçin häzirki kurslarda. Üstüne sanlary giriz; ýokary faiz kursy şol aýlyk býujet üçin töläp biljek bahany aşak düşürýär.
Beýik bir töleg bilen men has köp öýe eýe bolup bilermi?
Eý, iki gezek. Öňki töleg satyp bilýän bahaňyza dogrydan-dogry goşulýar, we 20% ýetmek, ätiýaçly ätiýaçlylygy aýyrýar, aýlyk býujetiňizden köpüsini başlyk we faiz üçin boşadýar. Bu hem ätiýaçlylygy peseldip, ömrüň dowamyndaky faizleri peseldip biler.
Näme üçin başga borçlary tölemek meniň töläp biljek zadymy artdyrýar?
Sebäbi 36% limit siziň ähli borçlaryňyzy hasaplaýar. Siziň töleýän her bir dollaryňyz, awtoulag ýa-da kart tölegiňiz, aýlyk jaý üçin bir dollary boşadýar, bu bolsa siziň hakyňyza bolan jaý bahasyna on müňlerçe goşyp biler.
Men näme üçin buýruk bermeli?
Emläk salgydy, öý eýeleriniň sığorty, her hili HOA tölegleri we ipoteka sığorty ählisi esas we faiziň üstünden gidýär, plus saklamak we ýapmak çykdajylary. Öňki meýdanlar size salgydy, sığorty we HOA girizmek mümkin edýärler, şonuň üçin elýeterli baha diňe karz däl, bütin aýlyk çykdajylary görkezýär.
API — bu hasapçyny koddan ullan
Bu hasapçyny azat JSON ahtar noktasy hökmünde çagyr - açar gerek däl. Aşakdaky meýdança mykdarlaryny soragyň parametrleri ýa-da JSON hökmünde iber. Eňlisçe senedleri oka →
_Soňky
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);Netijeler diňe umumy ýardam üçin hasaplanypdyr, maliýe, lukmançylyk ýa-da salgyt maslahaty üçin däl.