Enter your income, savings and interest rate; see the maximum home price you can afford, your monthly payment and total interest in seconds — before you start house hunting.
Rule of thumb: your monthly loan payment should not exceed about 35% of your net income (debt-to-income ratio, DTI). Your down payment plus the loan you can take under that cap gives the maximum home price you can afford. The tool computes this instantly, together with rate and term.
Banks usually cap the payment-to-income ratio between 35–50%; 35% is recommended for a healthy budget. The tool uses 35% by default.
In Türkiye the loan-to-value ratio for a mortgage typically reaches 80–90%, so you need at least 10–20% of the property value as a down payment. The tool factors in the down payment you enter.
As the rate rises, the loan you can take for the same payment — and therefore the home price you can afford — falls. Enter your bank’s current rate to see how your buying power changes instantly.
No, it is an estimate for guidance. For the exact payment and approval, the bank must assess its current rate, fees and your income documents.
The calculation assumes your monthly payment does not exceed the payment-to-income ratio you select (35% by default) and uses the interest rate you enter. This is an affordability estimate, not a loan commitment; apply to a bank for final approval.
