> For the complete documentation index, see [llms.txt](https://docs.altum.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.altum.ai/english/financing/mortgage-calculation-api/output-interpretation.md).

# Output interpretation

<table><thead><tr><th width="245.296875">Field</th><th width="165.44921875">Example</th><th>Explanation</th></tr></thead><tbody><tr><td>postcode</td><td>9636AA</td><td>Zipcode</td></tr><tr><td>housenumber</td><td>5</td><td>House number</td></tr><tr><td>houseaddition</td><td>A</td><td>Addition to the house number</td></tr><tr><td>max_mortgage_amount</td><td>180000.0</td><td>Maximum borrowable after applying NHG caps and property value</td></tr><tr><td>max_mortgage_by_income</td><td>197000.0</td><td>Maximum borrowable based on income alone before any property caps</td></tr><tr><td>principal</td><td>180000.0</td><td>Final loan amount after deducting down payment</td></tr><tr><td>monthly_payment_gross</td><td>828.51</td><td>Monthly mortgage payment before tax benefit</td></tr><tr><td>monthly_payment_net</td><td>620.05</td><td>Monthly payment after mortgage interest deduction</td></tr><tr><td>total_interest_paid</td><td>118263.37</td><td>Total interest paid over the full loan term</td></tr><tr><td>total_costs</td><td>304063.37</td><td>All-in costs: principal + interest + transfer tax + notary + appraisal</td></tr><tr><td>transfer_tax</td><td>3600.0</td><td>Transfer tax due on purchase</td></tr><tr><td>transfer_tax_rate_used</td><td>0.02</td><td>Transfer tax rate applied (0 or 0.02)</td></tr><tr><td>affordability_ratio</td><td>0.2486</td><td>Monthly gross payment as a fraction of monthly gross income</td></tr><tr><td>nhg_compliance</td><td>True</td><td>Whether the loan qualifies for NHG</td></tr><tr><td>rate_used</td><td>3.6</td><td>Annual interest rate used for calculations</td></tr><tr><td>rate_fetched_from</td><td>dnb</td><td>Source from wehich the interest rate was retrieved.</td></tr><tr><td>effective_rate_used</td><td>3.6</td><td>Effective rate after any adjustments; may equal rate_used if no adjustment was applied</td></tr><tr><td>loan_term_years</td><td>30</td><td>Effective loan term used in years</td></tr><tr><td>mortgage_type</td><td>annuity</td><td>Mortgage schedule used: annuity or linear</td></tr><tr><td>dsti_ratio_used</td><td>0.253</td><td>Debt service-to-income ratio applied in the calculation</td></tr><tr><td>table_type_used</td><td>non_aow_box1</td><td>Table used for calculation</td></tr><tr><td>single_bonus_applied</td><td>17000.0</td><td>Single-applicant income bonus applied</td></tr><tr><td>energy_label_bonus</td><td>0.0</td><td>Bonus applied for energy label</td></tr><tr><td>renovation_bonus</td><td>0.0</td><td>Bonus applied for planned renovation</td></tr><tr><td>debt_deduction_applied</td><td>0.0</td><td>Total debt reduction applied to max mortgage</td></tr><tr><td>data_enrichment_status</td><td>fallback</td><td>Data source used for market value</td></tr></tbody></table>

**Enrichment data**

Contains the results of the data enrichment lookup for the given address.

<table><thead><tr><th width="250.4453125">Field</th><th width="160.10546875">Example</th><th>Explanation</th></tr></thead><tbody><tr><td>found</td><td>true</td><td>Whether enrichment data was found for given property</td></tr><tr><td>woz_latest</td><td>378000.0</td><td>Most recent WOZ value found in the database</td></tr><tr><td>woz_latest_year</td><td>2024</td><td>Year of the most recent WOZ value</td></tr><tr><td>energy_label</td><td>F</td><td>Energy label of the property </td></tr></tbody></table>

**Metadata**

Internal calculation parameters and derived values used in the computation.

<table><thead><tr><th width="249.62109375"></th><th width="159.6640625"></th><th></th></tr></thead><tbody><tr><td>table_type</td><td>non_aow_box1</td><td>Income/tax table applied</td></tr><tr><td>dsti_ratio_used</td><td>0.253</td><td>Debt service-to-income ratio applied</td></tr><tr><td>effective_rate_used</td><td>3.66</td><td>Effective interest rate used after any adjustments</td></tr><tr><td>nhg_price_limit</td><td>470000</td><td>NHG purchase price limit at time of calculation</td></tr><tr><td>nhg_mortgage_cap</td><td>450000.0</td><td>NHG maximum mortgage amount at time of calculation</td></tr><tr><td>energy_label_bonus</td><td>0.0</td><td>Energy label bonus applied</td></tr><tr><td>renovation_bonus</td><td>0.0</td><td>Renovation bonus applied</td></tr><tr><td>single_bonus_applied</td><td>17000.0</td><td>Single-applicant bonus applied</td></tr><tr><td>mortgage_interest_deduction_rate</td><td>0.3748</td><td>Tax deduction rate applied for net payment calculation</td></tr><tr><td>notary_cost</td><td>1500.0</td><td>Notary cost included in total costs</td></tr><tr><td>appraisal_cost</td><td>700.0</td><td>Appraisal cost included in total costs</td></tr><tr><td>market_value_source</td><td>woz</td><td>Source used for market value: wow or purchase_price</td></tr><tr><td>market_value_used</td><td>378000.0</td><td>Actual market value used in the calculation</td></tr><tr><td>market_value_note</td><td>WOZ used — no purchase_price provided</td><td>Explanation of which market value source was used and why</td></tr><tr><td>evaluation_date</td><td>20260331</td><td>Date on which the calculation was performed (format: YYYYMMDD)</td></tr></tbody></table>


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