購房能力計算器
根據收入和債務估算你能負擔的房價。
在您的瀏覽器中執行。您的檔案不會離開裝置。 瞭解如何驗證
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使用方法
- 1填寫各項
輸入數字或選擇所需選項。
- 2檢視結果
更改任何值時，答案會立即更新。
- 3使用結果
複製結果或記下來。不會向任何地方傳送任何內容。
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.
計算示例
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.
獲得最佳結果的提示
在相信結果之前先檢查每一個輸入項，因為一個錯誤的數字就會改變整個答案。請使用工資單、賬單、證書或合同上的準確數字，並記下計算日期。稅率、門檻和規則會不時變化，因此對於稅費和法律事務，請將結果視為估算，並與本頁註明的官方來源核對。您可以嘗試任意多個方案；不會儲存或傳送任何內容，重新整理頁面會清空輸入。
要點
- 分類: 日常工具
- 在瀏覽器中執行，無需註冊，無需上傳。
- 您輸入的資訊保留在裝置上。
- 提供多種語言。
- 內容最後稽核日期:
常見問題
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.