come da
desiderata:
HOME AFFORDABILITY CALCULATOR
rispetto a quanto volevi calcolare tu funziona alla rovescia: metti reddito annuo lordo (Gross annual income - la tassazione e' diversa!), capitale "cash" (Downpayment amount) e tasso (Mortgage rate), lasci il resto a 0 (Monthly debt, Annual property taxes, Annual homeowner insurance).
Posto il reddito lordo a 50k$ e il cash a 0$, si ottiene (su 30 anni):
tasso..........prezzo max
3..............276k$-326k$
5..............217k$-256k$
7..............175k$-206k$
9..............144k$-170k$
11.............122k$-144k$
interessante, no?
note:
HOME AFFORDABILITY
About this calculator:
• To arrive at an "affordable" home price, we followed the guidelines of most lenders. We've allowed a total debt-to-income ratio of no more than 36 percent. And we have assumed a housing payment-to-income ratio of 28% for our conservative estimate, and 33 percent for the aggressive one. Before buying, however, you should also factor in other savings needs, including retirement and college.
• ASSUMPTIONS: We've assumed a 30-year mortgage term, annual property tax of $3,500 and homeowners insurance of $481 -- the national average. And we do not factor in private mortgage insurance, which you'll owe if your downpayment is less than 20 percent of the purchase price. It averages from $50 to $80 per month. Plug in your own numbers for more tailor-made results.