I-Calculator ye-Home Affordability
Uhlu lwezindlu ezibiza kakhulu ezitholakalayo ngokuya ngemali oyitholayo, izibopho zakho kanye nemali oyikhokhayo.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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.
Imibuzo ebuzwa kaningi
Yini imithetho ye-28/36?
Imithetho ejwayelekile yomuntu okhokhela imali: ungasebenzisi ngaphezulu kuka-28% wemali oyitholayo ngenyanga endlulweni (umphumela ongaphambili) futhi ungasebenzisi ngaphezulu kuka-36% kuzo zonke izimali ezibandakanya indlululwa (umphumela ongaphambili). Le mishini ithatha okuphansi kwezinqwaba ezimbili.
Ingabe lokhu kubandakanya imali yempahla nesevisi?
Akukho — ilinganisela imali ekhokhwayo kanye nenzuzo ongayithola. Ukufinyeleleka kwezimali kuphansi uma izindleko zempahla, inshuwalense yasekhaya kanye nanoma yiziphi izindleko ze-HOA zishiywa, ngakho bheka le nombolo njengengxenye ephakeme.
Ngathola imali eningi kangakanani yokuthenga indlu ngemali yami?
Uhlelo oluqinile luyi-3 kuya ku-5 izikhathi zemali yakho ekhokhwayo ngonyaka, kodwa umkhawulo osemthethweni uvela ku-invoyisi yenyanga yakho yemali nemali engenayo exhaswa ngemali ekhokhwayo. Faka inani lakho phezulu; inani eliphakeme lemali engenayo likhuphula kakhulu intengo ongayikhokhela izimali zenyanga.
Ingabe ukukhokha kuqala okukhulu kungenza ngikwazi ukuthenga indlu eminingi?
Yebo, ngaphezu kwezikhathi ezimbili. Ukwengeza okuncane kungeza ngokuqondile kuntengo ongayithenga, futhi ufinyelela ku-20% ususa i-inshurensi ye-hypothecary, ukhulula imali eningi yemali yakho yonyaka yezimali eziyinhloko nezimali ezikhokhelwa ngemali. Lokhu kuphansi kakhulu izimali, kunciphisa imali ekhokhelwa ngemali ekhokhelwa ngemali.
Kungani ukukhokha ezinye izibopho kwenza ngikhule imali engikwazi ukuyikhokhela?
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.
Yini izindleko ngaphandle kwesisekelo nenzuzo okufanele ngizilungiselele?
Izimali zempahla, inshuwalense yabagibeli bezindlu, noma yiziphi izindleko ze-HOA kanye ne-inshuwalense ye-hypothecary zihamba ngaphesheya kwezimali eziyinhloko nezinzuzo, kanye nezindleko zokulondoloza nokuvala. Ama-domains aphezulu akuvumela ukuthi ungene ngezimali, inshuwalense ne-HOA ukuze intengo ekhokhelwa ibonise izindleko zonyaka wonke, hhayi kuphela inkokhelo.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.