गृह ऋण सामर्थ्य कैलकुलेटर — सूत्र

How Mortgage Affordability Is Calculated

Lenders use the 28/36 rule to determine how much you can afford:

  • 28% Rule: Your monthly housing payment should not exceed 28% of gross monthly income
  • 36% Rule: Your total monthly debts (including housing) should not exceed 36% of gross monthly income

    • The calculator takes the lower of these two limits and works backward to find the maximum loan amount you qualify for.

    हल किया गया उदाहरण

    You earn $85,000/year with $500/month in existing debts, $50,000 down payment, at 6.5% for 30 years.

    1. Monthly income: $85,000 / 12 = $7,083.33
    2. 28% rule max housing payment: $7,083.33 * 0.28 = $1,983.33
    3. 36% rule max total debts: $7,083.33 * 0.36 - $500 = $2,050.00
    4. Use lower value: $1,983.33
    5. Max loan amount at 6.5% for 30 years: $313,770
    6. Affordable home price: $313,770 + $50,000 = $363,770