上次，我们介绍了，在您考虑做业主之前，最重要的就是评估房屋贷款的花费。其中，我们建议：

l        您每月用于房屋方面的综合开销（包括房贷的本金、利息、地税、公共事业服务花销），不应该超过您的税前家庭收入的32%。
l        如果您还有其他的债务的话，例如信用卡、个人贷款、汽车贷款等，那么连同房屋贷款的花费，不应该超过年度收入的40%。
现在，我们就上述的建议，为您总结最适当的收入和供楼款项比例，也就是让您可以轻松做业主的供楼方程式：

5%
首期付款
可以负担
最高房价
10%
首期付款
可以负担
最高房价
25%
首期付款
可以负担
最高房价
$25,000
$3,000
$60,000
$6,300
$63,000
$18,900
$75,600
$30,000
$3,900
$78,000
$8,200
$82,000
$24,700
$98,800
$35,000
$4,800
$96,000
$10,100
$101,000
$30,300
$121,200
$40,000
$5,700
$114,000
$12,000
$120,000
$36,000
$144,000
$45,000
$6,600
$132,000
$13,900
$139,000
$41,700
$166,800
$50,000
$7,500
$150,000
$15,800
$158,000
$47,400
$189,600
$60,000
$9,300
$186,000
$19,600
$196,000
$58,800
$235,200
$70,000
$11,050
$221,000
$23,400
$234,000
$70,100
$280,400
$80,000
$12,500
$250,000
$27,200
$272,000
$81,500
$326,000
$90,000
$14,400
$288,000
$31,000
$310,000
$92,800
$371,200
$100,000
$16,275
$325,500
$34,800
$348,000
$104,300
$417,200