貸款與債務住房 · 規劃
購屋負擔能力計算器
從收入、既有債務、頭期款與利率算出你負擔得起的最高房價——採用放貸方實際用於核貸的 28/36 負債收入比法則，並在兩個上限彼此不一致時提出警示。
數字
- Maximum home price
- 364,556
- Monthly housing budget
- 2,567
- binding limit: housing (28%)
- Maximum loan
- 304,556
- plus 60,000 down
行家的解讀
值得一提
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.
值得一提
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.
方法論
28/36 法則：住房支出 ≤ 每月總收入的 28%，且住房 + 所有債務還款 ≤ 36%。兩個上限中較低者就是你的住房預算；其中約 75% 用於支付本息（其餘涵蓋稅金／保險），再透過攤還公式換算成最高貸款額，加上你的頭期款。
有些方案下放貸方會放寬到 43-50% 的 DTI——本計算器刻意不這麼做。
常見問題
- 年收入 11 萬美元能買多少房？
- 以 28/36 法則、每月既有債務 500 美元、利率約 6.5%、頭期款 60,000 美元計算：大約落在 39 萬–43 萬美元的房子。既有債務與頭期款對這個數字的影響，比收入還大。
給代理使用
呼叫這個工具，而不是在對話脈絡裡自行計算。輸入確定性的 JSON，取回計算後的數值以及基準解讀。 完整代理文件 →
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 工具名稱： home_affordability
相關工具
- ACA Subsidy Cliff Checker (2026) — Where your 2026 marketplace subsidy sits against the restored 400%-of-poverty cliff — and the clawback risk if income crosses it.
- 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.