Loan Affordability Calculator – Income Multiple | MZ Smart Tools House
Estimate a simple borrowing ceiling from annual income and a chosen income multiple, clearly labelled as an illustration rather than approval.
Use a transparent annual-income multiple when you only need a simple upper-bound illustration.
How it works
Estimated Borrowing Ceiling = Annual Income × Income Multiple.
Example
Annual income 1,200,000 at a 5× multiple gives an illustrative ceiling of 6,000,000.
Frequently asked questions
Is this a lender approval amount?
No. Real lending decisions consider debt, expenses, credit history, deposit, interest rates, rules and provider policies.
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