Your borrowing capacity is generally calculated as your net income (income after tax) minus your expenses. These expenses may include normal household costs like food and transport, any current loan repayments, and other financial commitments, such as school fees. The more accurately you can enter these details into the calculator, the more realistic your estimated borrowing capacity calculation could be.
The calculations are estimates, based only upon the information you provide. The borrowing capacity estimate does not constitute an application or approval. No loan fees or charges have been factored into the calculations.