Bu fie bo a wubetumi atua fi sika a wonya, bosea, ahyɛase sika ne fie ka mu.
TE MMUAE NO ASE
Ɔkwan bɛn so na wobu eyi?
Akontaabu no de front-end fie ratio ne back-end bosea nyinaa ratio nyinaa to fie ka ano. Woyi tow, insurance ne HOA ansa na wɔadan principal ne mfɛntom tua a ɛwɔ hɔ akɔ bosea dodow.
Sika a wonya ne bosea ratio kwanFie ka a ɛsen biara = min(sika a wonya × front ratio, sika a wonya × back ratio − bosea)
Nhwɛso a mfaso wɔ so
Abusua a wonya $120,000, wotua bosea $500 ɔsram biara, wɔwɔ $60,000 ahyɛase ne fie ka a ɛtaa ba no betumi atɔ fie a ne bo bɛn $400,000 ne akyi kakra, a egyina mfɛntom ne nsusuwii so.
Nsusuwii, nea nea afi mu aba kyerɛ ne mfomso a ɛtaa ba
Akontaabu nsusuwii
Wɔahyɛ sika nyinaa a wonya ne ɔsram bosea a ɛtaa ba no mu pɛpɛɛpɛ.
Mfɛntom rate ne bosea bere no nsesa.
Tow, insurance ne HOA gyina hɔ ma ɔsram akontaabu biako a ɛnsesa.
Sɛnea wobɛte nea afi mu aba no ase
Bo a wubetumi atua yɛ bosea dodow a wɔabu aka ahyɛase sika a wowɔ ho.
Binding ratio yɛ sika a wonya anaa bosea nyinaa anohyeto a ɛma fie ka sua no.
Sika dodow a ɔdefɛmfo betumi ama no betumi atra abusua sikasɛm nhyehyɛe a ɛyɛ ahotɔ so.
Mfomso a ɛtaa ba a ɛsɛ sɛ wokwati
Sɛ wode sika a wofa kɔ fie hyɛ input a wɔato din gross income mu.
Sɛ wuyi sukuu bosea, kar bosea, card tua ketewa anaa bosea afoforo fi mu.
Sɛ wo werɛ fi maintenance, utilities, closing costs ne ntɛm-hia sika.