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
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 the 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 this calculatorUse this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator to calculate the maximum monthly payment for a home.Use this calculator
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 zeHOA zishiwo, 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 ngikwazi ukukhokha imali eningi?
Uzothola i-10% yemali yakho ekhokhwayo uma ufaka i-10% yemali yakho ekhokhwayo ebhange. Uma ufaka i-10% yemali yakho ekhokhwayo ebhange, uzothola i-10% yemali yakho ekhokhwayo ebhange. Uma ufaka i-10% yemali yakho ekhokhwayo ebhange, uzothola i-10% yemali yakho ekhokhwayo ebhange.
Yini izindleko ezingaphezu kwesisekelo nenzuzo okufanele ngizilungiselele?
Izimali zempahla, inshuwalense yabanikazi bekhaya, noma yiziphi izindleko zeHOA kanye nezimali ze-hypothecary zihamba ngaphesheya kwezimali eziyinhloko nezimali ezibalulekile, kanye nezindleko zokulondoloza nokuvala. Ama-fields athuthukisiwe akuvumela ukuthi ungene ngezimali, inshuwalense ne-HOA ukuze intengo ekhokhelwayo ibonise izindleko zonyaka wonke, hhayi kuphela inkokhelo.
API — sebenzisa le calculator kusuka kukhodi
Nquma le kalkuli njengendawo ephelezelwa i-JSON - akukho isitshixo esidingekayo. Thumela amaxabiso endawo ngezansi njengepharamitha yombuzo noma i-JSON. 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.