借贷与债务住房 · 规划
购房承受力计算器
根据收入、现有债务、首付和利率算出你最多能买多贵的房——用放贷方实际核保采用的 28/36 债务收入比规则，并在两条上限相互矛盾时提示你。
数值
- Maximum home price
- 364,556
- Monthly housing budget
- 2,567
- binding limit: housing (28%)
- Maximum loan
- 304,556
- plus 60,000 down
老手的解读
值得了解
Your down payment is 16% of this maximum — under 20% means PMI and a thinner equity cushion. The "maximum" is what a lender allows, not what is comfortable; many buyers deliberately shop 10-20% below it.
值得了解
The 28/36 rule uses GROSS income. On take-home pay, 28% gross is often 35-40% net — run your actual post-tax budget before trusting any affordability number, including this one.
方法说明
28/36 规则：住房支出 ≤ 每月税前收入的 28%，且住房 + 所有债务还款 ≤ 36%。两条上限中较低的一条就是你的住房预算；其中约 75% 用于偿还本息（其余覆盖税费/保险），再通过摊还公式换算成最高贷款额，加上你的首付。
放贷方在某些方案上会放宽到 43–50% 的债务收入比——本计算器拒绝这么做，是有意为之。
常见问题
- 年收入 11 万美元能买多贵的房？
- 按 28/36 规则，现有每月债务 500 美元、利率约 6.5%、首付 6 万美元：大约一套 39 万–43 万美元的房。现有债务和首付对这个数的影响比收入更大。
面向智能体
调用这个工具，而不是在上下文里硬算。传入确定性的 JSON，返回算好的数值加上基准解读。 完整智能体文档 →
curl -s https://xearno.tools/api/v1/tools/home-affordability \
-H 'content-type: application/json' \
-d '{"income":110000,"monthlyDebts":500,"down":60000,"rate":6.5,"years":30}'Schema： GET /api/v1/tools/home-affordability · MCP 工具名： home_affordability
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- Student Loan: RAP vs IBR (2026 forced choice) — Your monthly payment and forgiveness timeline under RAP vs IBR — the choice SAVE borrowers are being forced to make.
- UK Stamp Duty Calculator (SDLT) — England & Northern Ireland — Stamp Duty Land Tax on a home in England or Northern Ireland — with first-time-buyer relief, the +5% additional-dwelling surcharge, and the +2% non-resident surcharge.
- Singapore Property Stamp Duty (BSD + ABSD + SSD) — Buyer’s, Additional Buyer’s, and Seller’s Stamp Duty at the current IRAS rates — including the 60% foreigner ABSD and the 2025 four-year SSD.