🏡 买房负担能力（能买多贵的房）Home Affordability Calculator
按 28/36 规则：住房月供不超过月收入的 28%，含其他负债不超过 36%，据此反推最高贷款额和房价（未含房产税和保险，可在"其他月支出"中加上）。本地处理。Using the 28/36 rule - housing payment at most 28% of gross monthly income and all debts at most 36% - work back to the maximum loan and home price (taxes and insurance excluded unless you add them to other monthly costs). Processed locally.
使用说明与常见问题How-to & FAQ
「买房负担能力（能买多贵的房）」是什么？What is the Home Affordability Calculator tool?
按 28/36 规则：住房月供不超过月收入的 28%，含其他负债不超过 36%，据此反推最高贷款额和房价（未含房产税和保险，可在"其他月支出"中加上）。本地处理。Using the 28/36 rule - housing payment at most 28% of gross monthly income and all debts at most 36% - work back to the maximum loan and home price (taxes and insurance excluded unless you add them to other monthly costs). Processed locally.
如何使用「买房负担能力（能买多贵的房）」？How do I use the Home Affordability Calculator tool?
在「买房负担能力（能买多贵的房）」中，填写「税前年收入」、「其他每月负债」、「贷款年利率 %」、「贷款年限」、「首付」等参数，结果会随输入实时计算并显示在下方。In the Home Affordability Calculator: Fill in "Gross annual income", "Other monthly debts", "Mortgage rate %", "Loan term years", "Down payment"; results are recalculated instantly as you type.
28/36 是硬性规定吗？Is 28/36 a hard rule?
它是常用的经验标准；银行实际审批还看信用、首付比例和当地政策。It is a common guideline; lenders also weigh credit, down payment and local rules.
能举个计算实例吗？Can you show a worked example?
例如在「买房负担能力（能买多贵的房）」中填 税前年收入 = 100000，其他每月负债 = 500，贷款年利率 % = 6.5，贷款年限 = 30，首付 = 50000，每月房产税+保险等 = 0，结果区显示：可承受月供（本息）：2,333.33；最高贷款额：369,158.58；可负担房价：419,158.58For example, entering Gross annual income = 100000, Other monthly debts = 500, Mortgage rate % = 6.5, Loan term years = 30, Down payment = 50000, Monthly taxes + insurance etc. = 0 in the Home Affordability Calculator gives: Affordable payment (P&I): 2,333.33; Maximum loan: 369,158.58; Affordable home price: 419,158.58
哪些输入会被检查？Which inputs are validated?
「买房负担能力（能买多贵的房）」会检查这些输入——「税前年收入」：必须填写，须大于 0；「其他每月负债」、「贷款年利率 %」、「贷款年限」、「首付」、「每月房产税+保险等」：必须填写，不能为负数；绝对值超过 10¹⁵ 的数也会被拒绝。不符合时结果区显示具体提示，不会给出数字。The Home Affordability Calculator checks its inputs — "Gross annual income": required, must be greater than 0; "Other monthly debts", "Mortgage rate %", "Loan term years", "Down payment", "Monthly taxes + insurance etc.": required, cannot be negative; numbers above 10¹⁵ in absolute value are rejected too. When a value fails, the result area names the problem instead of showing a number.
有哪些选项可以调整？What options can I adjust?
「买房负担能力（能买多贵的房）」的设置：「税前年收入」默认 100000；「其他每月负债」默认 500；「贷款年利率 %」默认 6.5；「贷款年限」默认 30；「首付」默认 50000；「每月房产税+保险等」默认 0。每次生成结果都按当前设置处理。Settings in the Home Affordability Calculator — "Gross annual income" default 100000; "Other monthly debts" default 500; "Mortgage rate %" default 6.5; "Loan term years" default 30; "Down payment" default 50000; "Monthly taxes + insurance etc." default 0. The result always uses the current settings.
计算结果可以作为最终依据吗？Can I rely on the result?
「买房负担能力（能买多贵的房）」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Home Affordability Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「买房负担能力（能买多贵的房）」免费吗？需要注册吗？Is the Home Affordability Calculator free? Do I need an account?
「买房负担能力（能买多贵的房）」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Home Affordability Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.