See what share of your income already goes to loans, and whether you still have room to buy a home.
Include every loan instalment (home, car, personal, cards). Banks usually look for a ratio of up to 35%.
It's the share of your income that already goes to repaying loans. It's calculated by dividing the total monthly instalments by the household's net income.
The lower it is, the more room you have, and the easier it is for the bank to approve a new loan. Above 35% things start to tighten; the Guru helps you organise your finances to fit the criteria.
Below 35% is considered comfortable by most banks. Between 35% and 50% is still possible, but with more requirements. Above that it's difficult.
Every loan instalment: home, car, personal loan and the average amount used on credit cards.
Extend the loan terms, consolidate loans into one, or renegotiate the terms. The Guru studies your case and tells you what makes sense.
The calculator gives you an estimate. The Guru goes to the partner banks and brings you real offers, and it's free for you.