家庭可负担性计算器
估计房屋价格如何,
输入结果时更新 。
关于此计算器
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.
经常问到的问题
28/36规则是什么?
共同的贷款准则:住房支出不超过月总收入的28%(前端比率),包括住房在内的所有债务支出不超过36%(后端比率)。 这一工具的下限为两个上限。
这是否包括财产税和保险?
实际负担能力要低一点,因为一旦加上财产税、家庭保险和任何HAA费用,那么数字就当作上限。
我的工资能付多少钱?
粗略指南是您年总收入的3至5倍,但实际限额来自您按当前利率计算的收入和债务支持的月支付。输入以上数字;更高的利率会大幅降低您对同一月预算所能支付的价格。
更大笔的首付能让我买得起更多房子吗?
是的,两次以上。首期付款直接增加了您可以购买的价格,达到20%后取消了按揭保险,将更多的月预算用于本金和利息。它还降低了贷款,降低了终身利息。
为什么还清其他债务会增加我所能承受的?
因为在后端36%的限制中,您的所有债务都由您来计算。每支付一美元汽车或卡片,您可以免费发放每月住房预算的一美元,这可以使您符合的房价增加数万。
除了本金和利息之外,我应该计划什么费用?
房东保险、房贷保险等都以本金和利息为顶价,加上保养和关闭成本。 先进领域允许您进入税、保险和住房保险,因此,可负担的价格反映了月全额成本,而不仅仅是贷款。
API - 使用代码中的计算器
将此计算器称为自由 JSON 端点 。 不需要按键 。 将字段值发送到下面作为查询参数或 JSON 。 任何您省略的, 都会使用相同的默认值, 此页面预填的默认值是预填的; 未知参数是 400, 而不是静音零 。 读取 API 全部文件 →
终点
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);成果仅是一般指导的估计数,而不是财务、医疗或税务咨询。