{"id":32578,"date":"2025-12-09T22:05:52","date_gmt":"2025-12-10T03:05:52","guid":{"rendered":"https:\/\/thomasdruckrealtor.com\/finanzierungsrechner\/"},"modified":"2026-11-10T14:30:58","modified_gmt":"2026-11-10T19:30:58","slug":"finanzierungsrechner","status":"publish","type":"page","link":"https:\/\/thomasdruckrealtor.com\/de\/finanzierungsrechner\/","title":{"rendered":"Finanzierungsrechner"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"32578\" class=\"elementor elementor-32578 elementor-1197\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-383ed7f banner-first-sec e-flex e-con-boxed e-con e-parent\" data-id=\"383ed7f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bb83d6e e-con-full e-flex e-con e-child\" data-id=\"bb83d6e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1172052 elementor-widget elementor-widget-heading\" data-id=\"1172052\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Finanzierungsrechner\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-661ed59 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"661ed59\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"920\" height=\"1024\" src=\"https:\/\/thomasdruckrealtor.com\/wp-content\/uploads\/2025\/10\/image-3.png\" class=\"attachment-full size-full wp-image-32315\" alt=\"Palme vor einem Himmel in Miami\" srcset=\"https:\/\/thomasdruckrealtor.com\/wp-content\/uploads\/2025\/10\/image-3.png 920w, https:\/\/thomasdruckrealtor.com\/wp-content\/uploads\/2025\/10\/image-3-270x300.png 270w, https:\/\/thomasdruckrealtor.com\/wp-content\/uploads\/2025\/10\/image-3-768x855.png 768w\" sizes=\"(max-width: 920px) 100vw, 920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5dc7e73 e-flex e-con-boxed e-con e-parent\" data-id=\"5dc7e73\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b1f6769 e-con-full e-flex e-con e-child\" data-id=\"b1f6769\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-485fb14 elementor-widget elementor-widget-heading\" data-id=\"485fb14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Berechnen Sie Ihren maximalen Darlehensbetrag\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bba7128 elementor-widget elementor-widget-text-editor\" data-id=\"bba7128\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mit diesem Tool k\u00f6nnen Sie den maximalen Darlehensbetrag berechnen, f\u00fcr den Sie sich basierend auf Kennzahlen wie Ihrem Jahreseinkommen und den \u00fcblichen Schulden-Einkommens-Verh\u00e4ltnissen qualifizieren k\u00f6nnten.<\/p><p>Dies soll Ihnen einen soliden Ausgangspunkt bieten, ist jedoch nur eine Sch\u00e4tzung. Um genaue Zahlen zu erhalten, m\u00fcssen Sie mit einem qualifizierten Kreditgeber \/ Hypothekenmakler sprechen und ein Vorabgenehmigungs- oder Vorqualifizierungsverfahren durchlaufen.<\/p><p>Wenn Sie den maximalen Darlehensbetrag basierend auf einer gew\u00fcnschten monatlichen Rate berechnen oder Ihre monatliche Rate f\u00fcr einen bestimmten Darlehensbetrag ermitteln m\u00f6chten, nutzen Sie bitte unseren <span style=\"text-decoration: underline;\"><span style=\"color: #ffffff; text-decoration: underline;\"><a style=\"color: #ffffff; text-decoration: underline;\" href=\"https:\/\/thomasdruckrealtor.com\/mortgage-calculator\/\">Hypothekenrechner<\/a><\/span>.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c86c5e1 e-flex e-con-boxed e-con e-parent\" data-id=\"c86c5e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-decbf31 elementor-widget elementor-widget-html\" data-id=\"decbf31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\n\n\n    <meta charset=\"UTF-8\">\n    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n    <!--<title>Home Affordability Calculator<\/title>-->\n    <script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\n    <link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n    <link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin=\"\">\n    <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700&display=swap\" rel=\"stylesheet\">\n    <style>\n        \/* Basic styling and Inter font *\/\n        body {\n            font-family: 'Inter', sans-serif;\n            background-color: #f3f4f6; \/* Light gray background *\/\n            \/* Flexbox properties for centering the container IF this were the whole page *\/\n            \/* display: flex; *\/ \/* Commented out as Elementor will handle page centering *\/\n            \/* align-items: center; *\/\n            \/* justify-content: center; *\/\n            \/* min-height: 100vh; *\/\n        }\n        \/* Custom style for input number arrows (optional) *\/\n        input[type=number]::-webkit-inner-spin-button,\n        input[type=number]::-webkit-outer-spin-button {\n            -webkit-appearance: none;\n            margin: 0;\n        }\n        input[type=number] {\n            -moz-appearance: textfield; \/* Firefox *\/\n        }\n        \/* Add some subtle shadows and transitions *\/\n        .calculator-container {\n            box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);\n            transition: box-shadow 0.3s ease;\n            \/* Ensure margin auto works for centering within Elementor column if needed *\/\n            margin-left: auto;\n            margin-right: auto;\n        }\n        .calculator-container:hover {\n             box-shadow: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);\n        }\n        .result-display {\n            border-left: 4px solid #10b981; \/* Emerald accent *\/\n        }\n        \/* Tooltip styling *\/\n        .tooltip {\n            position: relative;\n            display: inline-block;\n            cursor: pointer;\n        }\n        .tooltip .tooltiptext {\n            visibility: hidden;\n            width: 220px;\n            background-color: #555;\n            color: #fff;\n            text-align: center;\n            border-radius: 6px;\n            padding: 5px 10px;\n            position: absolute;\n            z-index: 1;\n            bottom: 125%; \/* Position above the element *\/\n            left: 50%;\n            margin-left: -110px; \/* Center the tooltip *\/\n            opacity: 0;\n            transition: opacity 0.3s;\n            font-size: 0.8rem;\n            font-weight: normal;\n        }\n        .tooltip .tooltiptext::after {\n            content: \"\";\n            position: absolute;\n            top: 100%;\n            left: 50%;\n            margin-left: -5px;\n            border-width: 5px;\n            border-style: solid;\n            border-color: #555 transparent transparent transparent;\n        }\n        .tooltip:hover .tooltiptext {\n            visibility: visible;\n            opacity: 1;\n        }\n    <\/style>\n\n\n\n    <!--<div class=\"calculator-container bg-white p-6 md:p-8 rounded-lg w-full max-w-lg\">-->\n    <!--    <h1 class=\"text-2xl md:text-3xl font-bold text-centry-titleenter text-gray-800 mb-6\">Home Affordability Calculator<\/h1>-->\n\n        <form id=\"affordability-form\" class=\"space-y-4\">\n\n            <div>\n                <label for=\"annual-income\" class=\"block text-sm font-medium text-gray-700 mb-1\">\n                     Bruttojahreseinkommen ($)\n                    <span class=\"tooltip text-gray-400\">(?)\n                        <span class=\"tooltiptext\">Ihr Gesamteinkommen vor Steuern oder Abz\u00fcgen.<\/span>\n                    <\/span> \n                <\/label>\n                <input type=\"number\" id=\"annual-income\" name=\"annual-income\" required=\"\" min=\"0\" step=\"any\" class=\"w-full px-3 py-2 border border-gray-300 rounded-md shadow-sm focus:outline-none focus:ring-emerald-500 focus:border-emerald-500\" placeholder=\"z. B. 80000\">\n            <\/div>\n\n            <div>\n                <label for=\"monthly-debts\" class=\"block text-sm font-medium text-gray-700 mb-1\">\n                     Monatliche Gesamtschulden ($)\n                     <span class=\"tooltip text-gray-400\">(?)\n                        <span class=\"tooltiptext\">Summe der monatlichen Mindestzahlungen f\u00fcr Studienkredite, Autokredite, Kreditkarten usw. (Miete\/aktuelle Hypothek ausschlie\u00dfen).<\/span>\n                    <\/span> \n                <\/label>\n                <input type=\"number\" id=\"monthly-debts\" name=\"monthly-debts\" required=\"\" min=\"0\" step=\"any\" value=\"0\" class=\"w-full px-3 py-2 border border-gray-300 rounded-md shadow-sm focus:outline-none focus:ring-emerald-500 focus:border-emerald-500\" placeholder=\"z. B. 500\">\n            <\/div>\n\n             <div>\n                <label for=\"down-payment\" class=\"block text-sm font-medium text-gray-700 mb-1\">\n                     Anzahlung ($)\n                     <span class=\"tooltip text-gray-400\">(?)\n                        <span class=\"tooltiptext\">Barbetrag, den Sie beim Hauskauf im Voraus zahlen m\u00f6chten.<\/span>\n                    <\/span> \n                <\/label>\n                <input type=\"number\" id=\"down-payment\" name=\"down-payment\" required=\"\" min=\"0\" step=\"any\" value=\"0\" class=\"w-full px-3 py-2 border border-gray-300 rounded-md shadow-sm focus:outline-none focus:ring-emerald-500 focus:border-emerald-500\" placeholder=\"z. B. 20000\">\n            <\/div>\n\n             <div>\n                <label for=\"interest-rate\" class=\"block text-sm font-medium text-gray-700 mb-1\">Gesch\u00e4tzter Zinssatz (%)<\/label>\n                <input type=\"number\" id=\"interest-rate\" name=\"interest-rate\" required=\"\" min=\"0\" step=\"any\" class=\"w-full px-3 py-2 border border-gray-300 rounded-md shadow-sm focus:outline-none focus:ring-emerald-500 focus:border-emerald-500\" placeholder=\"z. B. 6,5\">\n            <\/div>\n\n            <div>\n                <label for=\"loan-term\" class=\"block text-sm font-medium text-gray-700 mb-1\">Darlehenslaufzeit (Jahre)<\/label>\n                <select id=\"loan-term\" name=\"loan-term\" class=\"w-full px-3 py-2 border border-gray-300 rounded-md shadow-sm focus:outline-none focus:ring-emerald-500 focus:border-emerald-500 bg-white\">\n                    <option value=\"30\" selected=\"selected\">30 Jahre<\/option>\n                    <option value=\"20\">20 Jahre<\/option>\n                    <option value=\"15\">15 Jahre<\/option>\n                <\/select> \n            <\/div>\n\n             <div>\n                <label for=\"dti-ratio\" class=\"block text-sm font-medium text-gray-700 mb-1\">\n                     Max. Schulden-Einkommens-Verh\u00e4ltnis (DTI) (%)\n                     <span class=\"tooltip text-gray-400\">(?)\n                        <span class=\"tooltiptext\">Maximaler Prozentsatz Ihres Bruttomonatseinkommens, den Kreditgeber f\u00fcr die gesamten Schuldenzahlungen (einschlie\u00dflich Wohnkosten) zulassen. \u00dcbliche Grenzen liegen bei 36 %\u201345 %.<\/span>\n                    <\/span> \n                <\/label>\n                 <select id=\"dti-ratio\" name=\"dti-ratio\" class=\"w-full px-3 py-2 border border-gray-300 rounded-md shadow-sm focus:outline-none focus:ring-emerald-500 focus:border-emerald-500 bg-white\">\n                    <option value=\"36\">36 % (Konservativ)<\/option>\n                    <option value=\"43\" selected=\"selected\">43 % (\u00dcbliches Max.)<\/option>\n                    <option value=\"45\">45 % (M\u00f6gliches Max.)<\/option>\n                    <option value=\"50\">50 % (Aggressiv)<\/option>\n                <\/select>\n            <\/div>\n\n            <div class=\"pt-4 border-t border-gray-200\">\n                 <h2 class=\"text-lg font-semibold text-gray-700 mb-3\">Gesch\u00e4tzte Zusatzkosten<\/h2>\n                 <div class=\"grid grid-cols-1 sm:grid-cols-3 gap-4 items-end\">\n                      <div>\n                         <label for=\"property-tax-amount\" class=\"block text-sm font-medium text-gray-700 mb-1\">Grundsteuer ($\/Jahr)<\/label>\n                         <input type=\"number\" id=\"property-tax-amount\" name=\"property-tax-amount\" min=\"0\" step=\"any\" value=\"3600\" class=\"w-full px-3 py-2 border border-gray-300 rounded-md shadow-sm focus:outline-none focus:ring-emerald-500 focus:border-emerald-500\" placeholder=\"z. B. 3600\"\/>\n                     <\/div>\n                     <div>\n                         <label for=\"home-insurance-amount\" class=\"block text-sm font-medium text-gray-700 mb-1\">Geb\u00e4udeversicherung ($\/Jahr)<\/label>\n                         <input type=\"number\" id=\"home-insurance-amount\" name=\"home-insurance-amount\" min=\"0\" step=\"any\" value=\"1200\" class=\"w-full px-3 py-2 border border-gray-300 rounded-md shadow-sm focus:outline-none focus:ring-emerald-500 focus:border-emerald-500\" placeholder=\"z. B. 1200\"\/>\n                     <\/div> \n                     <div>\n                         <label for=\"hoa-fee\" class=\"block text-sm font-medium text-gray-700 mb-1\">HOA-Geb\u00fchr (Hausgeld) ($\/Monat)<\/label>\n                         <input type=\"number\" id=\"hoa-fee\" name=\"hoa-fee\" min=\"0\" step=\"any\" value=\"0\" class=\"w-full px-3 py-2 border border-gray-300 rounded-md shadow-sm focus:outline-none focus:ring-emerald-500 focus:border-emerald-500\" placeholder=\"z. B. 100\">\n                     <\/div>\n                 <\/div>\n            <\/div>\n\n        <\/form>\n\n        <div id=\"results\" class=\"mt-8 pt-6 border-t border-gray-300\">\n            <h2 class=\"text-xl font-semibold text-gray-800 mb-4\">Finanzierungssch\u00e4tzung<\/h2>\n            <div class=\"space-y-3\">\n                 <div class=\"result-display bg-emerald-50 p-4 rounded-md flex justify-between items-center\">\n                    <span class=\"text-emerald-800 font-semibold\">Max. erschwinglicher Kaufpreis:<\/span>\n                    <span id=\"max-home-price\" class=\"text-2xl font-bold text-emerald-900\">$0<\/span>\n                <\/div>\n                <div class=\"bg-gray-50 p-4 rounded-md\">\n                    <div class=\"flex justify-between items-center mb-2\">\n                        <span class=\"text-gray-600\">Gesch\u00e4tzte max. monatliche Rate:<\/span>\n                        <span id=\"max-monthly-payment\" class=\"text-lg font-semibold text-gray-900\">$0,00<\/span>\n                    <\/div>\n                    <div class=\"text-xs text-gray-500 pl-5 space-y-1 border-l border-gray-300 ml-2\">\n                          <div class=\"flex justify-between items-center\">\n                             <span>Tilgung & Zinsen:<\/span>\n                             <span id=\"monthly-pi\">$0,00<\/span>\n                         <\/div>\n                         <div class=\"flex justify-between items-center\">\n                             <span>+ Grundsteuer:<\/span>\n                             <span id=\"monthly-tax\">$0,00<\/span>\n                         <\/div> \n                          <div class=\"flex justify-between items-center\">\n                             <span>+ Geb\u00e4udeversicherung:<\/span>\n                             <span id=\"monthly-insurance\">$0,00<\/span>\n                         <\/div>\n                         <div class=\"flex justify-between items-center\">\n                             <span>+ HOA-Geb\u00fchr:<\/span>\n                             <span id=\"monthly-hoa\">$0,00<\/span>\n                         <\/div> \n                    <\/div>\n                <\/div>\n            <\/div>\n             <p id=\"error-message\" class=\"text-red-600 text-sm mt-4 text-center h-4\"><\/p>\n             <p class=\"text-xs text-gray-500 mt-4 text-center\">Dies ist eine Sch\u00e4tzung. Konsultieren Sie einen Kreditgeber f\u00fcr eine Vorabgenehmigung basierend auf Ihrer spezifischen finanziellen Situation.<\/p>\n        <\/div>\n    <\/div>\n\n    <script>\n        \/\/ Get references to DOM elements\n        const form = document.getElementById('affordability-form');\n        const annualIncomeInput = document.getElementById('annual-income');\n        const monthlyDebtsInput = document.getElementById('monthly-debts');\n        const downPaymentInput = document.getElementById('down-payment');\n        const interestRateInput = document.getElementById('interest-rate');\n        const loanTermSelect = document.getElementById('loan-term');\n        const dtiRatioSelect = document.getElementById('dti-ratio');\n        \/\/ Updated selectors for tax and insurance amounts\n        const propertyTaxAmountInput = document.getElementById('property-tax-amount');\n        const homeInsuranceAmountInput = document.getElementById('home-insurance-amount');\n        const hoaFeeInput = document.getElementById('hoa-fee');\n\n        const maxHomePriceEl = document.getElementById('max-home-price');\n        const maxMonthlyPaymentEl = document.getElementById('max-monthly-payment');\n        const monthlyPiEl = document.getElementById('monthly-pi');\n        const monthlyTaxEl = document.getElementById('monthly-tax');\n        const monthlyInsuranceEl = document.getElementById('monthly-insurance');\n        const monthlyHoaEl = document.getElementById('monthly-hoa');\n        const errorMessageEl = document.getElementById('error-message');\n\n        \/\/ --- Helper Functions ---\n\n        \/\/ Format number as currency (allow integer display for home price)\n        function formatCurrency(amount, digits = 2) {\n            \/\/ Handle potential non-numeric input gracefully\n            if (isNaN(amount) || !isFinite(amount)) {\n                amount = 0;\n            }\n            return amount.toLocaleString('en-US', {\n                style: 'currency',\n                currency: 'USD',\n                minimumFractionDigits: digits,\n                maximumFractionDigits: digits\n             });\n        }\n\n         \/\/ Calculate Monthly P&I based on Loan Amount (Principal)\n        function calculateMonthlyPI(principal, monthlyInterestRate, numberOfPayments) {\n            if (principal <= 0) return 0;\n            if (monthlyInterestRate <= 0) return 0; \/\/ Rate must be positive for standard calculation\n\n            const factor = Math.pow(1 + monthlyInterestRate, numberOfPayments);\n            if (!isFinite(factor) || factor === 1) {\n                \/\/ Handle cases where factor is invalid or rate might be effectively zero over the term\n                 if (numberOfPayments > 0) {\n                     return principal \/ numberOfPayments; \/\/ Simple division if factor is 1 (e.g. 0% rate)\n                 } else {\n                     return 0; \/\/ No payments if term is 0\n                 }\n            }\n\n            return principal * (monthlyInterestRate * factor) \/ (factor - 1);\n        }\n\n        \/\/ Calculate Max Loan Amount based on Max Monthly P&I Payment\n        function calculateMaxLoan(maxMonthlyPI, monthlyInterestRate, numberOfPayments) {\n             if (maxMonthlyPI <= 0) return 0;\n             if (monthlyInterestRate <= 0) return 0; \/\/ Cannot calculate loan for 0% rate this way directly\n             if (numberOfPayments <= 0) return 0;\n\n             const factor = Math.pow(1 + monthlyInterestRate, numberOfPayments);\n             if (!isFinite(factor) || factor === 1) {\n                 \/\/ Handle potential issues or 0% rate scenario\n                 return maxMonthlyPI * numberOfPayments; \/\/ Total paid back if 0% rate\n             }\n\n             return maxMonthlyPI * (factor - 1) \/ (monthlyInterestRate * factor);\n        }\n\n\n        \/\/ --- Main Calculation Logic ---\n        function calculateAffordability() {\n            errorMessageEl.textContent = ''; \/\/ Clear previous errors\n\n            \/\/ Get and validate inputs\n            const annualIncome = parseFloat(annualIncomeInput.value) || 0;\n            const monthlyDebts = parseFloat(monthlyDebtsInput.value) || 0;\n            const downPayment = parseFloat(downPaymentInput.value) || 0;\n            const annualInterestRate = parseFloat(interestRateInput.value) || 0;\n            const loanTermYears = parseInt(loanTermSelect.value, 10);\n            const dtiRatio = parseFloat(dtiRatioSelect.value) \/ 100; \/\/ Convert percentage to decimal\n            \/\/ Get fixed annual dollar amounts for tax and insurance\n            const annualTaxAmount = parseFloat(propertyTaxAmountInput.value) || 0;\n            const annualInsuranceAmount = parseFloat(homeInsuranceAmountInput.value) || 0;\n            const monthlyHoaFee = parseFloat(hoaFeeInput.value) || 0;\n\n            \/\/ Basic validation\n            if (annualIncome <= 0 || annualInterestRate <= 0 || dtiRatio <= 0 || loanTermYears <= 0 || downPayment < 0 || monthlyDebts < 0 || annualTaxAmount < 0 || annualInsuranceAmount < 0 || monthlyHoaFee < 0) {\n                 errorMessageEl.textContent = 'Please enter valid positive values for income, rate, term, DTI, and non-negative debts\/costs.';\n                 resetResults();\n                 return;\n            }\n\n            \/\/ 1. Calculate Max Total Monthly Debt Allowed\n            const grossMonthlyIncome = annualIncome \/ 12;\n            const maxTotalMonthlyDebt = grossMonthlyIncome * dtiRatio;\n\n            \/\/ 2. Calculate Fixed Monthly Costs (Tax, Insurance, HOA)\n            const monthlyTax = annualTaxAmount \/ 12;\n            const monthlyInsurance = annualInsuranceAmount \/ 12;\n            const fixedMonthlyCosts = monthlyTax + monthlyInsurance + monthlyHoaFee;\n\n            \/\/ 3. Calculate Amount Available for Housing (PITI + HOA)\n            const availableForHousing = maxTotalMonthlyDebt - monthlyDebts;\n            if (availableForHousing <= 0) {\n                 errorMessageEl.textContent = 'Your monthly debts exceed the maximum allowed by your DTI ratio.';\n                 resetResults();\n                 return;\n            }\n\n             \/\/ 4. Calculate Amount Available JUST for Principal & Interest (P&I)\n             const availableForPI = availableForHousing - fixedMonthlyCosts;\n             if (availableForPI <= 0) {\n                 errorMessageEl.textContent = 'Debts + estimated housing costs (Tax, Ins, HOA) exceed allowed DTI.';\n                  resetResults();\n                 return;\n             }\n\n            \/\/ 5. Calculate Factors for Loan Calculation\n            const monthlyInterestRate = annualInterestRate \/ 1200;\n            const numberOfPayments = loanTermYears * 12;\n\n            \/\/ Avoid issues if rate is exactly 0 or term is 0\n             if (monthlyInterestRate <= 0 || numberOfPayments <= 0) {\n                 errorMessageEl.textContent = \"Interest rate and loan term must be positive.\";\n                 resetResults();\n                 return;\n             }\n\n            \/\/ 6. Calculate Maximum Loan Amount based on Available P&I\n            const maxLoanAmount = calculateMaxLoan(availableForPI, monthlyInterestRate, numberOfPayments);\n\n             if (maxLoanAmount <= 0 || !isFinite(maxLoanAmount)) {\n                 errorMessageEl.textContent = \"Cannot afford a loan with these inputs.\";\n                 resetResults(true); \/\/ Keep error, show $0\n                 return;\n             }\n\n            \/\/ 7. Calculate Maximum Affordable Home Price\n            const maxHomePrice = maxLoanAmount + downPayment;\n\n            \/\/ 8. Calculate final payment breakdown for display (using the calculated max loan\/price)\n            const finalMonthlyPI = calculateMonthlyPI(maxLoanAmount, monthlyInterestRate, numberOfPayments);\n            \/\/ Use the input fixed monthly amounts for display consistency\n            const finalMonthlyTax = monthlyTax;\n            const finalMonthlyInsurance = monthlyInsurance;\n            const finalMonthlyHoa = monthlyHoaFee;\n            const totalMonthlyPayment = finalMonthlyPI + finalMonthlyTax + finalMonthlyInsurance + finalMonthlyHoa;\n\n\n             \/\/ --- Update Results Display ---\n             maxHomePriceEl.textContent = formatCurrency(maxHomePrice, 0); \/\/ Show home price with no decimals\n             maxMonthlyPaymentEl.textContent = formatCurrency(totalMonthlyPayment);\n             \/\/ Display the calculated P&I and the fixed input costs\n             monthlyPiEl.textContent = formatCurrency(finalMonthlyPI);\n             monthlyTaxEl.textContent = formatCurrency(finalMonthlyTax);\n             monthlyInsuranceEl.textContent = formatCurrency(finalMonthlyInsurance);\n             monthlyHoaEl.textContent = formatCurrency(finalMonthlyHoa);\n\n        }\n\n         \/\/ Function to reset results to $0\n         function resetResults(keepError = false) {\n             maxHomePriceEl.textContent = formatCurrency(0, 0);\n             maxMonthlyPaymentEl.textContent = formatCurrency(0);\n             monthlyPiEl.textContent = formatCurrency(0);\n             monthlyTaxEl.textContent = formatCurrency(0);\n             monthlyInsuranceEl.textContent = formatCurrency(0);\n             monthlyHoaEl.textContent = formatCurrency(0);\n             if (!keepError) {\n                 errorMessageEl.textContent = '';\n             }\n         }\n\n\n        \/\/ --- Event Listeners ---\n\n        \/\/ Calculate on any form input change\n        form.addEventListener('input', calculateAffordability);\n        form.addEventListener('change', calculateAffordability); \/\/ For select dropdowns\n\n        \/\/ Initial calculation on page load\n        calculateAffordability();\n\n    <\/script>\n\n\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Finanzierungsrechner Berechnen Sie Ihren maximalen Darlehensbetrag Mit diesem Tool k\u00f6nnen Sie den maximalen Darlehensbetrag berechnen, f\u00fcr den Sie sich basierend auf Kennzahlen wie Ihrem Jahreseinkommen und den \u00fcblichen Schulden-Einkommens-Verh\u00e4ltnissen qualifizieren k\u00f6nnten. Dies soll Ihnen einen soliden Ausgangspunkt bieten, ist jedoch nur eine Sch\u00e4tzung. Um genaue Zahlen zu erhalten, m\u00fcssen Sie mit einem qualifizierten Kreditgeber \/ [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-32578","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/thomasdruckrealtor.com\/de\/wp-json\/wp\/v2\/pages\/32578","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thomasdruckrealtor.com\/de\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/thomasdruckrealtor.com\/de\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/thomasdruckrealtor.com\/de\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/thomasdruckrealtor.com\/de\/wp-json\/wp\/v2\/comments?post=32578"}],"version-history":[{"count":1,"href":"https:\/\/thomasdruckrealtor.com\/de\/wp-json\/wp\/v2\/pages\/32578\/revisions"}],"predecessor-version":[{"id":32579,"href":"https:\/\/thomasdruckrealtor.com\/de\/wp-json\/wp\/v2\/pages\/32578\/revisions\/32579"}],"wp:attachment":[{"href":"https:\/\/thomasdruckrealtor.com\/de\/wp-json\/wp\/v2\/media?parent=32578"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}