我可以負擔多高的房價?

購買房子首先要決定預算﹐使用房貸計算機可知適合個人的貸款額度﹐填寫下表各欄﹐再按“計算”或“查閱報告”鍵﹐
即可見貸款以後的付款情形。


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  名詞解釋Definitions
年收入
Annual income		 全年總收入﹐已婚者須包括配偶收入。
Your annual income. For married couples this is your total combined annual income.
購買價
Purchase price		 準備購買的房價﹐指所付的房價﹐不含貸款完成的費用。
The price of the home you wish to purchase. This is the actual price you pay, not including any closing costs.
月付款總額
Total monthly payment		 合格的月付款總額﹐包括每月支付的本金﹐利息﹐地產稅﹐保險金等﹐一般稱PITI。
Total monthly payment that you can qualify for. This is the total of principal, interest, taxes and insurance paid each month. Often called PITI.
可用金額
Cash on hand		 準備用於支付頭款和所有貸款費的金額。
Cash you have for the down payment and all closing costs.
利率
Interest rate		 目前的貸款利率
The current interest rate you can receive on your mortgage.
貸款期
Term in years		 償還貸款年期﹐通常是15年或30年。
The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.
地產稅率
Property tax rate		 貸款$100,000﹐稅率1%﹐相當於每年$1,000地產稅。
Your property tax rate. 1% for a $100,000 home equals $1,000 per year in property taxes.
房屋保險費率
Home insurance rate		 貸款$100,000﹐保險費率0.5%﹐相當於房屋所有人保險費$500。
Your homeowner's insurance rate. 0.5% for a $100,000 home equals $500 per in for homeowner's insurance.
汽車貸款月付額
Monthly car payment(s)		 汽車貸款每月付款金額。
Total monthly payment for your car loan(s).
信用卡月付額
Credit card payments		 信用卡借款每月最低付款額。
Total monthly minimum payments for your credit cards.
其他貸款付款
Other loan payments		 其他分期付款﹐如學生貸款﹐無抵押品貸款等。
Any other installment loan payments, such as student loans or unsecured loans.
貸款費總額
Total closing costs		 所有貸款所需的費用﹐包括手續費﹐點數和完成費。
Total up front costs to close your loan. This is the total of your loan origination fee, points paid and other closing costs.
手續費
Loan origination rate		 貸款機關收取的手續費﹐以百分比為單位﹐如貸款額$100,000﹐百分之一為$1,000。
The percentage the lending institution charges for its origination fee. 1% for a $100,000 home equals $1,000.
點費
Number of points paid		 貸款利率的總點數﹐每一點相當於貸款總額的百分之一。
The total number of points paid to reduce the interest rate of your mortgage. Each point costs 1% of your mortgage balance.
其他貸款費用
Other closing costs		 估計貸款完成所需的所有相關費用﹐包括地產申報費﹐估價費和其他應付雜費。
Estimate of all other closing costs for this loan. This should include filing fees, appraiser fees and any other misc. fees paid.
每月PMI費
Monthly PMI payment		 貸款的頭款不足20%之貸款本金保險月付額。PMI大約是每年貸款結餘的0.5%﹐計算每月PMI可將貸款開始的結餘乘以PMI百分比後﹐再除以12。當所付之本金超過20%時﹐PMI即取消。
Monthly cost of Principal Mortgage insurance (PMI). For loans secured with less than 20% down, PMI is estimated at 0.5% of your loan balance each year. Monthly PMI is calculated by multiplying your starting loan balance by this percent and dividing by 12. When your loan balance exceeds 20% of the original purchase price, your PMI payment drops to zero.
月PI額
Monthly PI payment		 每月的本金和利息。
Monthly principal and interest payment.
頭款
Total for down payment		 貸款完成費後的付款額。
Total funds remaining, after closing costs, for down payment.
頭款至20%
Limit down payment to 20%		 即使手上的現金總額超過貸款完成費會房價的20%﹐仍將頭款限制在20%。
Limit down payment to 20% of the purchase price. Even if you have more cash on hand than required for closing costs and a 20% down payment.
顯示月付款表格
Show schedule by month		 按月付款表格(Payment Schedule)鍵可顯示每月付款情形。
Display the payment schedule by month when you press the Payment Schedule button.
顯示年付款表格
Show schedule by year		 按年付款表格(Payment Schedule)鍵可顯示每年付款情形。
Display the payment schedule by year when you press the Payment Schedule button.
總收入的負債比例
Total debt percent of annual income		 無法顯示。貸款機關允許使用之年收入用於支付分期付款的百分比﹐包括汽車﹐信用卡和其他付款﹐以及房子的PITI﹐通常設定在36%。
Not shown. This is the percent of your annual income your financial institution allows you to use for installment payments debt. This includes car payments, credit card payments, other loan payments and your "Principal, Interest, Tax and Insurance" payment for your home. The default rate is 36%.
全年收入的PITI百分比
PITI percent of annual income		 未顯示。貸款機關允許全年總收入用於房子之PITI的比例﹐通常設定在28%。
Not shown. This is the percent of your annual income your financial institution allows you to use for your "Principal, Interest, Tax and Insurance" payment for your home. The default rate is 28%.
合格貸款額
Qualify amount		 以月付款總額顯示﹐每月合格的費用﹐包括房子的PITI總額。
Shown as "Total monthly payment." This is the total amount you qualify for per month. This amount is the total of "Principal, Interest, Tax and Insurance" for your home.

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