I-Calculator yeNtlawulo yoMntu oMncinci
Ubalo lwexabiso lendlu oza kuyihlawula ngokuxhomekeke kwimali oyifumanayo, iindleko kunye nemali ekufuneka uyihlawule.
Iinketho ze projekti
Malunga nale Calculator
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 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. For example, on a 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 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 this calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calculator to find the home affordability calculatorUse this calcula
Imibuzo ebuza rhoqo
Yintoni imithetho ye-28/36?
Imiyalelo eqhelekileyo yomthengisi: ungasebenzisi ngaphezulu kwe-28% yengeniso yenyanga epheleleyo kwindlu (uthelekiso lwesiphelo esiphambili) kwaye ungasebenzisi ngaphezulu kwe-36% kwityala lonke eliquka ikhaya (uthelekiso lwesiphelo esiphambili). Le sixhobo sithatha umda ophantsi
Ingaba oku kuquka i-tax yepropathi kunye ne-inshorensi?
Ayikho - iqikelela ixabiso eliphambili lemali-mboleko kunye nenzuzo onokuthi uyithathe. Ukufikelela ngokufanelekileyo kuphantsi xa uthelekiswa netokhwe yepropathi, i-inshurensi yekhaya naziphi na iindleko zeHOA, ngoko ke sebenzisa lo mfanekiso njengomgangatho ophezulu.
Ndiya kuba nako ukuthenga indlu ephi ngemali yam?
Umzekelo ocacileyo umalunga nexesha eli-3 ukuya kwi-5 lokufumana imali engenayo yonyaka, kodwa umda osemthethweni uvela kwimali oyihlawulayo ngenyanga ufumanayo kunye nemali oyityala ngokuxhaswa ngeemali ezikhoyo. Faka amanani akho phezulu; umyinge wenzala ophezulu unyusa kakhulu ixabiso onokuthi uhlawule ngaloo mali yenyanga.
Ingaba ukuhlawula kuqala okuninzi kunokukunceda ndikwazi ukuhlawula indlu eninzi?
Ewe, iphindaphindwe kabini. Imali ephantsi idibanisa ngokuthe ngqo kwixabiso onokuthi uyithenge, kwaye ukufikelela kwi-20% kususa i-inshorensi ye-hypothecary, ukhulula i-budget yakho yenyanga eninzi yemali ephambili nenzuzo. Ikhupha ityala, ikhupha inzuzo yobomi.
Kutheni ukuhlawula ezinye iindleko zenza ukuba ndikwazi ukuhlawula ngaphezu kwezinto endizifumanayo?
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.
Yintoni iindleko ezingaphezulu kwexabiso eliphambili neendleko zenzuzo endimele ndizicwangcise?
Ityala lepropathi, i-inshurensi yomnini wekhaya, nayiphi na iindleko zeHOA kunye ne-inshurensi ye-mortgage zonke zihamba phezulu kwexabiso eliphambili neendleko zenzuzo, kunye nokugcina kunye nokuphuma kweendleko. Iindawo eziphambili zikuvumela ukuba ungene kwityala, inkxaso-mali neHOA ukuze ixabiso elifanelekileyo libonise iindleko zenyanga zonke, hayi ityala kuphela.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le kalkulator njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo engezantsi njengeparameter yombuzo okanye i-JSON. Funda i-API epheleleyo →
Incopho yesiphelo
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);IiNtlanganiso zeNtlanganiso yeNtlanganiso