FINANCE · AFFORDABILITY

How much house can I afford?

Rough out an affordable purchase price from income and down payment.

Local calculation · income and savings stay on this device

1 · INCOME

Income

Salary basis Monthly fixed salary (TWD) Year-end bonus Bonus months Other stable monthly income

2 · CASH

Cash you can actually use

Usable cash = savings − emergency reserve − money you are keeping for something else.

Cash and savings Emergency reserve to keep Other money not for this home

3 · SPENDING

Spending and other loans

Basic living Current rent Car loan, monthly Credit loan, monthly Student loan, monthly Other fixed debt, monthly Other fixed spending

After buying, leave current rent out of the monthly budget. Uncheck if you would still pay rent.

4 · LOAN ASSUMPTIONS

Loan assumptions

Taiwan-style defaults for a what-if. A bank can ask for a different rate, term, or ratio.

Estimated annual rate Term Loan ratio Burden ratio you want to test

The same percentage is applied twice: mortgage ÷ income, and (mortgage + other debt) ÷ income. Whichever leaves less room is used. These are not official limits.

5 · CLOSING COSTS

Transaction costs

Fees use the home-buying cost rules. Tax bases are not guessed from the market price.

Buyer brokerage rate Scrivener fee Bank fees

Optional tax and registration bases

Assessed house value for deed tax Public deed amount Transfer registration right value Mortgage registration right value

SCENARIOS

Three burden ratios

High burden is only a higher ratio. It is not a recommendation.

Bars compare the estimated price at 30%, 35%, and 40%.

TARGET

Gap to a target price

Optional target price

REAL PRICE DATA

Historical transactions, if a snapshot is already deployed

Only the static real-price files already on this site are read. A median is not a home for sale.

City District Building type

Questions

Is this what a bank will approve?

No. Rate, term, and loan ratio are assumptions you can change. The page does not call a bank and does not predict an approval.

Why isn’t all of my savings a down payment?

Emergency reserves and money you plan to keep are subtracted first. What remains is the cash that can cover the down payment and transaction costs.

What happens to rent?

It is left out after buying unless you uncheck that box. The label on the form says so.

Are 30%, 35%, and 40% official rules?

No. They are three planning scenarios. The higher one is a heavier burden, not a suggestion to buy.

Why can transaction costs be missing?

Deed tax, stamp tax, and registration need their own bases. If those fields stay zero, the home-buying rules do not invent them from the market price.

Mortgage calculator Home-buying costs Real-price records Take-home salary Retirement planner

Frequently asked questions

How do I use it?

Fill the on-page fields and review the estimate.

Is anything uploaded?

Everything runs locally in your browser and is not uploaded.

How is this different?

Estimates only—not bank, tax, or legal advice.