Property Affordability Calculator
Find out how much property you can afford
Your Income & Expenses
₱100,000
₱30,000
₱10,000
Include car loans, credit cards, personal loans
Down Payment & Loan Terms
₱1,000,000
7.5%
20 years
You Can Afford Up To
₱4,103,303
Conservative: ₱3,234,378
Debt-to-Income Ratio
Good
28.0%
Max Monthly Payment₱25,000
Max Loan Amount₱3,103,303
Your Down Payment₱1,000,000
Your financial profile looks good for home buying!
Tips to Improve Affordability
Save More Down Payment
A larger down payment reduces your loan amount and monthly payments. Aim for at least 20% to avoid mortgage insurance.
Pay Off Existing Debt
Reducing credit card and loan balances improves your DTI ratio and helps you qualify for better mortgage rates.
Consider Longer Terms
A longer loan term means lower monthly payments, though you'll pay more interest overall. Balance affordability with total cost.