{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://askcalculators.com/ie/mortgage-eligibility/schema.json",
  "title": "Mortgage Capacity Planning Calculator — Ireland inputs",
  "description": "Separate a regulatory ceiling from lender affordability. Irish principal-residence LTI/LTV rules are sourced; Canadian affordability here uses explicitly entered lender limits rather than claiming a national income multiple. EUR planning view; stated limitations apply.",
  "type": "object",
  "properties": {
    "income": {
      "title": "Annual gross household income",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 80000,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "EUR",
      "x-unit": "currency"
    },
    "price": {
      "title": "Property price",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 350000,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "EUR",
      "x-unit": "currency"
    },
    "deposit": {
      "title": "Cash deposit",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 70000,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "EUR",
      "x-unit": "currency"
    },
    "buyer": {
      "title": "Irish borrower category",
      "type": "string",
      "default": "first",
      "enum": [
        "first",
        "repeat",
        "investment"
      ],
      "x-optionLabels": {
        "first": "First-time buyer",
        "repeat": "Second/subsequent buyer",
        "investment": "Buy-to-let"
      }
    },
    "incomeMultiple": {
      "title": "Other verified lender income multiple",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 3.5,
      "minimum": 0,
      "maximum": 10,
      "x-step": 0.01
    },
    "maxLtv": {
      "title": "Other verified lender maximum LTV",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 80,
      "minimum": 0,
      "maximum": 100,
      "x-step": 0.1,
      "x-unit": "percent"
    },
    "lenderCap": {
      "title": "Separately underwritten affordability cap (zero means not assessed)",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 0,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "EUR",
      "x-unit": "currency"
    }
  },
  "required": [
    "income",
    "price",
    "deposit",
    "buyer",
    "incomeMultiple",
    "maxLtv",
    "lenderCap"
  ],
  "additionalProperties": false,
  "x-askcalculators": {
    "version": "20.16.0",
    "calculatorUrl": "https://askcalculators.com/ie/mortgage-eligibility/",
    "queryExample": "https://askcalculators.com/ie/mortgage-eligibility/?income=80000&price=350000&deposit=70000&buyer=first&incomeMultiple=3.5&maxLtv=80&lenderCap=0",
    "migrationStatus": "new",
    "reviewStatus": "pending",
    "pageStatus": "live",
    "workStatus": "pending",
    "formula": {
      "expression": "Cap = min(income × multiple, property value × LTV, positive entered lender cap).",
      "note": "Inputs are converted to canonical units before evaluating this stated formula."
    },
    "quality": {
      "availability": "live",
      "technicalReviewRecord": "/reviews/v20-ie-mortgage-eligibility.json",
      "qualifiedReview": "pending",
      "qualifiedReviewer": null,
      "qualifiedReviewDate": null,
      "formulaVersion": "20.16.0",
      "referenceCoverage": "references-listed",
      "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
      "historicalMetadataDate": "",
      "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
    },
    "outputs": {
      "requested": {
        "title": "Requested loan",
        "type": "number",
        "x-format": "currency",
        "x-currency": "EUR",
        "x-digits": 2
      },
      "ruleCap": {
        "title": "Modeled rule-based loan cap",
        "type": "number",
        "x-format": "currency",
        "x-currency": "EUR",
        "x-digits": 2,
        "x-primary": true
      },
      "gap": {
        "title": "Deposit shortfall against modeled cap",
        "type": "number",
        "x-format": "currency",
        "x-currency": "EUR",
        "x-digits": 2
      }
    }
  }
}