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Loan Prequalification Calculator

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Use this calculator as your first step in determining your ability to qualify for a loan. While this calculator can't guarantee you will qualify for your new loan, it is a good check point to see if it is within your means.

This Financial Calculator requires a Browser with Java(TM) applet Support. If you are seeing this message you will need to download SUN's Java(TM) Plug-in. This can be done simply, and automatically, by clicking the link below:

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Definitions
Loan amount
Total amount to be taken for this loan.

Interest rate
Annual interest rate for this loan.

Loan term
Number of years for this loan's term.

Total annual after tax income
Your total after tax income for the current year from all sources of income from all borrowers on this loan.

Number of income sources
Number of income sources from all borrowers. The more income sources you have, the better your ability to qualify for your new loan.

Existing monthly debt payments
This is your total monthly debt payment for existing loans that will not be paid off by this new loan. Do not include any credit card payments in this amount. Include debt payments for all borrowers on this loan.

Credit card limit
Your current total credit card limit. This is the total limit of your credit cards, not your outstanding balance. Include the credit cards from all borrowers on this loan.

Number of dependants
Total number of dependants. This number does not include the borrowers.

Real estate that will secure this loan
Total value of the equity you have in real estate that will secure this loan. If you already have a loan secured by the same real estate you are using for this loan, make sure to only enter the equity you have in that real estate.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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