Определите максимальный бюджет покупки жилья на основе дохода, долгов и банковского правила 28/36 DTI.
Requires a maximum monthly mortgage payment of 2 800,00 ₽ / month (PITI + HOA).
\text{Max Housing} = \min\left(0.28 \times \text{Income}_{\text{mo}}, \, 0.36 \times \text{Income}_{\text{mo}} - \text{Debts}\right), \quad P_{\text{home}} = \frac{\text{P&I} + \text{Tax} + \text{Down} \cdot f}{f + r_{\text{tax}}}Constrains maximum monthly payment to the lower of the front-end (28%) and back-end (36%) limits, then solves for the purchase price based on amortization and property tax rates.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
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