Kikokotoo cha uwezo wa kununua nyumba

Kadiria bei ya nyumba unayoweza kumudu kulingana na mapato na madeni.

Hufanya kazi kwenye kivinjari chako. Faili zako hazitoki kamwe kwenye kifaa. Tazama jinsi ya kuthibitisha

…

Jinsi ya kufanya

  1. 1
    Jaza visanduku

    Andika namba zako au chagua chaguo unazohitaji.

  2. 2
    Angalia matokeo

    Jibu husasishwa mara moja unapobadilisha thamani.

  3. 3
    Litumie

    Nakili matokeo au yaandike. Hakuna kinachotumwa popote.

About this tool

Lenders often limit the monthly home payment to about 28 percent of income and total debt payments to about 36 percent. Enter your yearly income, monthly debts, down payment, interest rate and term to see the maximum payment, loan and home price under that rule.

When to use it

Estimate the home price you can afford from your income and debts.

Tips

Keep housing costs below about 28 percent of income. Add taxes, insurance and upkeep.

Privacy

Everything runs in your browser, so your data is not uploaded or stored.

Mfano uliotatuliwa

With the boxes at their starting values (Yearly income (before tax): 1200000; Monthly debt payments: 10000; Down payment: 1500000; Yearly interest (%): 9; Loan term (years): 20), the tool shows: Maximum monthly payment: 26,000.00; Maximum loan: 2,889,768.80; Down payment: 1,500,000.00; Maximum home price: 4,389,768.80. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

Vidokezo vya matokeo bora

Angalia kila kisanduku kabla ya kuamini matokeo, kwa sababu nambari moja isiyo sahihi hubadilisha jibu zima. Tumia nambari kamili kutoka kwenye hati ya mshahara, ankara, cheti au mkataba na uandike tarehe uliyohesabu. Viwango, vizingiti na sheria hubadilika mara kwa mara, kwa hivyo kwa kodi, ada na masuala ya kisheria chukulia matokeo kuwa makadirio na uyathibitishe na chanzo rasmi kilichotajwa kwenye ukurasa huu. Unaweza kujaribu hali nyingi unavyotaka; hakuna kinachohifadhiwa wala kutumwa na kupakia upya ukurasa husafisha visanduku.

Kwa ufupi

Weka kikokotoo hiki kwenye tovuti yako

Nakili msimbo huu ili kuonyesha kikokotoo kwenye ukurasa wako. Unajumuisha kiungo cha kurudi shobfree.com.

Maswali yanayoulizwa mara kwa mara

What is the 28/36 rule?

A common guide: housing costs at most 28 percent of gross income and all debt payments at most 36 percent.

Is this what a bank will lend?

No. Banks look at more, such as credit history. Use it as a guide.

What rule is used?

The 28/36 rule for housing and total debt.

Does it include the down payment?

Yes, enter your deposit.

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