什么是 Property Price Calculator？
A property price calculator answers a different question than a mortgage payment tool: given your income, debts, down payment, interest rate, and loan term, what is the maximum purchase price you can reasonably afford? This free calculator works that inverse problem and also shows suggested loan size, required down payment, estimated monthly ownership costs (principal & interest, tax, insurance, HOA), and upfront cash including closing costs or stamp duty. A second mode estimates price from built-up area and price per sq ft or m² with optional premium and negotiation discount, plus a simple ±10% sensitivity band. Assumptions like DTI (default 40%), tax %, and closing % are editable so you can model conservative or stretch scenarios. Results are estimates only — not a bank pre-approval, appraisal, or legal advice. For amortization schedules from a known home price, use the Mortgage Calculator. All math runs in your browser.
如何使用 Property Price Calculator
- Choose Max affordable price (or Area price estimate).
- Enter net monthly income, debts, down payment, rate, term, and DTI.
- Add tax, insurance, HOA, and closing costs (amount or %).
- Read max property price, loan, upfront cash, and monthly ownership breakdown.
- Copy the summary, or switch to area mode for a sq ft / m² quick check.
常见用例
- Setting a house-hunting price ceiling before viewing homes
- Comparing how rate, term, or down payment changes max price
- Estimating upfront cash including stamp duty / closing costs
- Quick area × rate checks for apartments or plots
常见问题
- How is this different from a mortgage calculator?
- A mortgage calculator starts from a home price and outputs monthly payments. This property price calculator starts from your budget (income, debts, DTI, rate, term) and outputs the maximum price you can aim for — plus ownership cost and cash needed at closing.
- Is the max price a guaranteed loan approval?
- No. Lenders use credit score, employment history, appraisal, and their own rules. This tool is a planning estimate only.
- Should I use gross or net income?
- The default label is net (take-home) for a more conservative budget. If you use gross, consider a lower DTI so the result stays realistic.
- Does area mode use live market data?
- No. You enter area and price per sq ft or m² yourself. The ±10% band is a sensitivity check, not scraped listings or an appraisal.
- What does comfortable vs stretch mean?
- Comfortable means housing costs are a modest share of income relative to your DTI cap. Stretch means you’re near the cap. Not affordable means debts or ownership costs leave little or no room for a loan.
