What mortgage can I afford

max payment and loan size from income (DTI)

Budget

Net family income, ₴/mo

Other payments, ₴/mo

Min living costs, ₴/mo

Loan

APR, %

Term, months

Down payment, %

Result

Safe payment (DTI ≤ 35%)16 000,00 ₴

Max payment (DTI ≤ 50%)25 000,00 ₴

Loan at safe payment1 215 076,00 ₴

Loan at max payment1 898 557,00 ₴

Left to live on (safe)39 000,00 ₴

Home budget: safe / max1 518 846,00 ₴ / 2 373 196,00 ₴

Banks usually allow total DTI (all payments / income) of 40–50%, but ~35% is the safe level leaving a cushion. The max payment here is additionally capped by minimum living costs. This is an affordability estimate, not a bank approval.

About Mortgage affordability (DTI)

Mortgage affordability (DTI) — how much you can borrow given income and existing debt. Finance: Personal finance management. Use our tools without registration or installing software. All calculations happen in your browser — your data is never sent to a server.