At AID Bank, your maximum loan mortgage installment must not be more than 40% of your gross monthly income. Joint borrowers can choose to take 3.5 times the first salary plus the second salary, or 2.75 times their combined salary. Which you choose depends on how much you earn.

For a couple earning $22,000 and $26,000 adding the salaries together and multiplying the total will work out better. For a couple earning $50,000 and $20,000, multiplying the larger salary by 3.5 and adding the second will be a better option.

What's the biggest loan you can take? Enter the loan term and interest rate and your gross annual income. For mortgage loans, find out how much you will pay yearly for house tax and home insurance. Also, estimate your monthly debt obligations. This calculator will determine how much loan you qualify for.