# 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 if provided</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>3.7</td><td>Annual interest rate used for calculations</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>single_bonus_applied</td><td>17000.0</td><td>Single-applicant income bonus applied</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><tr><td>woz_latest</td><td>150000.0</td><td>Most recent WOZ value if found in database</td></tr><tr><td>woz_latest_year</td><td>2024</td><td>Year of the most recent WOZ value</td></tr><tr><td>market_value_used</td><td>180000.0</td><td>Actual market value used in the calculation</td></tr><tr><td>market_value_note</td><td>purchase_price used — no WOZ found</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 in YYYYMMDD format</td></tr></tbody></table>