包含車貸、就學貸款、信用卡最低還款等。
預估您可以負擔的總房價
房貸負擔能力情境分析
根據不同的債務與收入比 (DTI) 評估您在不同風險偏好下可負擔的房價級距。
| 評估情境 | 債務比 (DTI) | 每月預算 | 可負擔房價額度 |
|---|---|---|---|
| 1 保守型 (28% DTI) | 28% | $1,833 | $276,527 |
| 2 穩定型 (36% DTI) | 36% | $2,500 | $367,593 |
| 3 進取型 (43% DTI) | 43% | $3,083 | $447,276 |
您的購屋能力是多少？
在開始看房之前，了解自己真正的「購屋火力」是第一步。銀行會根據多項因素來決定願意借給您多少錢。🛡️ 28/36 理財法則
標準的房屋貸款審核通常遵循 28/36 法則： 1. 住房支出比 (28%)：每月總住房支出（包含本息、房產稅、保險）不應超過家庭月收入的 28%。 2. 總債務比 (36%)：住房支出加上所有其他貸款（車貸、學貸、卡債）不應超過月收入的 36%。影響買房預算的關鍵因素
* 貸款利率：利率每上升 1%，您的購屋購買力大約會下降 10%。 * 頭期款金額：較高的頭期款不僅能降低貸款總額，還能省下私人貸款保險 (PMI) 的費用。 * 地區稅率：不同地區的房產稅率差異巨大。跨過一個行政區，您能負擔的房價級距可能就會改變。 * 現有債務：結清一筆車貸可以釋放更多每月的預算，這可能轉換成額外 100 萬到 200 萬台幣的貸款額度。常見問題
Q: DTI 是什麼？ A: Debt-to-Income (債務收入比)。這是評估個人償債能力的核心指標。Q: DTI 超過 36% 還能貸款嗎？ A: 可以，許多銀行或特定貸款類型（如美國的 FHA 貸款）允許 DTI 到 43% 甚至更高，但這也會增加您的財務風險。
常見問題 (FAQ)
Q: What is the 28/36 rule for mortgages?
A: The 28/36 rule states your monthly housing costs (principal, interest, taxes, insurance—PITI) should not exceed 28% of gross monthly income, and your total monthly debt payments should not exceed 36%. For example, on a $100,000/year income ($8,333/month), maximum PITI is $2,333 and maximum total debt is $3,000. These are guidelines—FHA loans can go to 31%/50% and VA loans don't have a front-end limit.
Q: What is DTI and how does it affect mortgage approval?
A: DTI (Debt-to-Income ratio) is your total monthly debt payments divided by gross monthly income. Lenders calculate two DTIs: front-end (housing costs only) and back-end (all debts). Most conventional lenders cap back-end DTI at 43%, though automated underwriting may approve up to 50% with strong compensating factors like excellent credit or large reserves. Reducing existing debt (car loans, student loans) before applying directly increases your maximum mortgage amount.
Q: How much do I need for a down payment?
A: The minimum varies by loan type: Conventional loans start at 3%, FHA at 3.5% (with MIP insurance), VA and USDA loans require 0% for qualifying borrowers. Putting down 20% eliminates PMI (Private Mortgage Insurance), which can add $200–$500/month on a $400,000 loan. Many state housing agencies offer down payment assistance programs for first-time buyers—check your state's Housing Finance Agency for grants and forgivable loans.
Q: How does the interest rate affect home affordability?
A: Dramatically. A 1% increase in mortgage rate reduces your buying power by approximately 10–11% at the same monthly payment. At a $2,000/month principal and interest budget: a 5% rate supports a $372,600 loan vs. a 7% rate supporting only a $300,600 loan—a $72,000 difference. Rate changes affect both your approved loan amount and your monthly payment on any given purchase price.
Q: What is PMI and when can I remove it?
A: PMI (Private Mortgage Insurance) is required by conventional lenders when your down payment is less than 20%. It protects the lender (not you) if you default. Cost: typically 0.5–1.5% of the loan amount annually, added to your monthly payment. PMI automatically cancels when your loan balance reaches 80% of the original home value (through payments). You can request early cancellation if the value has appreciated to an 80% LTV—verified by an appraisal. FHA loans have MIP that lasts the loan's life unless you refinance.
情境範例
這個計算機讓我對預算有了更清晰的認識。原本看中的房子其實已經超出了 28/36 的安全區。
介面非常直觀，房產稅預算功能對我在不同地區選房非常有幫助。
為明年購屋計畫提供了很好的參考數值。
Official Sources & Authority References
重要免責聲明
本計算機提供之結果僅供參考，不構成稅務、法律或財務建議。稅法每年調整，請於申報前到 IRS.gov 核實數據，或談詢具資格的稅務專業人員。
