房屋购买能力计算器
发现您的最高购房价格
购买能力计算器
根据您的财务状况了解您能负担多少房价
您可以负担的房屋价值为
$0
预计每月付款
$0
基于35%的前端债务收入比
这仅是估算。购买能力可能因信用评分、额外支出和贷款机构要求而异。
如何使用此计算器
在下方输入您的财务详情，根据您的收入、债务和首付计算您能负担的最高房价。
Key Factors Affecting Your Home Buying Budget:
- Gross Household Income: Your total annual income before taxes and deductions.
- Monthly Debt Payments: Existing financial obligations like car loans, student loans, and credit card payments.
- Down Payment: The upfront payment you can make toward your home purchase.
- Interest Rate: The current mortgage interest rate you qualify for.
- Debt Service Ratios: Lenders in Canada typically use two ratios to determine affordability:
- Gross Debt Service (GDS) Ratio: Housing costs should not exceed 32% of your gross income.
- Total Debt Service (TDS) Ratio: Total debt payments (including housing) should not exceed 40% of your gross income.
其他有用工具
按揭计算器
根据贷款金额、利率和期限估算每月按揭付款。
常见问题
Common questions about home affordability
Note: This calculator is for estimation purposes only. The actual amount you can borrow may vary based on lender-specific criteria, your credit score, and other factors. Always consult with a mortgage professional for personalized advice.
Last updated: July 2025