Paano Kalkulahin si Car Affordability
Ano ang Car Affordability?
Determines maximum car price based on income and debt levels following lending guidelines. Ensures car purchase doesn't overburden finances.
Pormula
Monthly income × 0.15-0.20 = max monthly car expense
Step-by-Step na Gabay
- 1Monthly income × 0.15-0.20 = max monthly car expense
- 2Account for insurance, gas, maintenance
- 3Calculate affordable loan amount
- 4Match to vehicle price and down payment
Mga Nalutas na Halimbawa
Input
$60k income
Resulta
$18-24k budget
Mga Karaniwang Mali na Dapat Iwasan
- ✕Using net income instead of gross income
- ✕Not including all car costs (insurance, maintenance, gas, registration)
Mga madalas itanong
What's the 20/4/10 rule?
20% down, 4-year loan max, car payment + insurance should be <10% gross income.
What if I exceed affordability guidelines?
Higher risk of default, financial stress, and inability to handle emergencies.
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