{"id":37,"date":"2024-11-05T12:27:33","date_gmt":"2024-11-05T16:27:33","guid":{"rendered":"https:\/\/balancekimmortgage.com\/?page_id=37"},"modified":"2025-03-19T11:35:07","modified_gmt":"2025-03-19T15:35:07","slug":"howmuch","status":"publish","type":"page","link":"https:\/\/balancekimmortgage.com\/en\/howmuch\/","title":{"rendered":"How much..."},"content":{"rendered":"
To calculate how much salary you need to earn to buy a house, use the following. <\/strong><\/h5>\n\n\n\n

Mortgage Calculator<\/a><\/p>\n\n\n\n

<\/div>\n\n\n\n
\"Mortgage<\/figure>\n\n\n\n

\uc774 \uacc4\uc0b0\uae30\ub294 \uae30\ubcf8\uc801\uc73c\ub85c \uc5bc\ub9c8\ub97c \ub9e4\ub2ec \ub0b4\uc57c \ud558\ub294\uac00\ub97c \uacc4\uc0b0\ud574 \uc8fc\ub294 \uacc4\uc0b0\uae30\uc785\ub2c8\ub2e4. \uc774\uac78 \uc774\uc6a9\ud574 \ud544\uc694\ud55c \uc5f0\ubd09 \uc5ed\uc2dc \uacc4\uc0b0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

Fill in each item as I describe <\/p>\n\n\n\n

Home value \u2013 Enter the house price.<\/p>\n\n\n\n

Down payment \u2013 Enter the amount of the down payment.<\/p>\n\n\n\n

Loan amount \u2013 Automatically calculated.<\/p>\n\n\n\n

Interest rate \u2013 Enter the interest rate of the day from my website.<\/p>\n\n\n\n

Loan term \u2013 Typically 30 years.<\/p>\n\n\n\n

Start date \u2013 Leave it as default.<\/p>\n\n\n\n

Property tax \u2013 Enter the one-year tax amount of the house you are purchasing. Ask your real estate agent.<\/p>\n\n\n\n

PMI \u2013 If your down payment is 20% or more of the house price, enter 0. If less than 20%, enter 1 (PMI typically ranges between 0.5% and 1.5% of the loan amount. PMI is Private Mortgage Insurance that the borrower must pay when the down payment is less than 20%).<\/p>\n\n\n\n

Home ins \u2013 Enter the amount of one-year insurance of the house.<\/p>\n\n\n\n

Monthly HOA \u2013 Enter monthly maintenance fees for the condominium or 0 for the house. Or, for more accurate results, enter your all debt amounts including auto loans, student loans\u2026 etc. <\/p>\n\n\n\n

Loan Type \u2013 There are four Loan types, Conventional, FHA, VA, and USDA. Generally Conventional. <\/p>\n\n\n\n

When every item is filled in, click calculate. You will get the amount you have to pay back each month. <\/p>\n\n\n\n

Remember that the DTI ratio is 40%, meaning the monthly amount calculated above should not exceed 40% of your income.<\/strong>. <\/p>\n\n\n\n

Divide the monthly payment by 40%, that is 0.4. The amount shown in the image above is $2348.22 and divided by 0.4, it becomes $5870.55.\nThis means that your monthly income must be at least $5870.55.\nMultiply this by 12 to determine annual income to afford the home sample above. $5870.55*12=$70,446.6 must be your minimum annual income. <\/p>\n\n\n\n

I hope everyone here can get their dream home.<\/p>","protected":false},"excerpt":{"rendered":"

\uc5bc\ub9c8\uc9dc\ub9ac \uc9d1\uc744 \uc0ac\uae30 \uc704\ud574 \uc5bc\ub9c8\uc758 \uc5f0\ubd09\uc774 \ud544\uc694\ud55c\uac00\ub97c \uacc4\uc0b0\ud558\ub294 \ubc29\ubc95\uc740 \ub2e4\uc74c\uc744 \uc774\uc6a9\ud558\uc2ed\uc2dc\uc624. Mortgage Calculator \uc774 \uacc4\uc0b0\uae30\ub294 \uae30\ubcf8\uc801\uc73c\ub85c \uc5bc\ub9c8\ub97c \ub9e4\ub2ec \ub0b4\uc57c \ud558\ub294\uac00\ub97c \uacc4\uc0b0\ud574 \uc8fc\ub294 \uacc4\uc0b0\uae30\uc785\ub2c8\ub2e4. \uc774\uac78 \uc774\uc6a9\ud574 \ud544\uc694\ud55c \uc5f0\ubd09 \uc5ed\uc2dc \uacc4\uc0b0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc544\ub798\uc640 \uac19\uc774 \uac01 \ud56d\ubaa9\uc744 \uc785\ub825\ud558\uc138\uc694. Home value \uad6c\ub9e4\ud558\ub824\ub294 \uc9d1\uac12\uc744 \uc785\ub825\ud569\ub2c8\ub2e4 Down payment \ub2e4\uc6b4 \ud398\uc774 \uae08\uc561\uc744 \uc785\ub825\ud569\ub2c8\ub2e4 Loan amount \uc704 \ud56d\ubaa9\uc774 \uacb0\uc815\ub418\uba74 \uc790\ub3d9\uc73c\ub85c \uc785\ub825\ub429\ub2c8\ub2e4 Interest […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-37","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/pages\/37","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/comments?post=37"}],"version-history":[{"count":2,"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/pages\/37\/revisions"}],"predecessor-version":[{"id":344,"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/pages\/37\/revisions\/344"}],"wp:attachment":[{"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/media?parent=37"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}