Bu wo fie tua nyinaa ɔsram biara na hwɛ baabi a sika no kɔ.
TE MMUAE NO ASE
Ɔkwan bɛn so na wobu eyi?
P yɛ bosea principal, r yɛ mfɛntom rate wɔ tua bere biara mu, na n yɛ tua dodow nyinaa. Wɔdan tow, insurance, PMI, HOA ne ka afoforo kɔ tua frequency a woapaw no na wɔde ka principal ne mfɛntom akyi.
Fie bosea tua a ɛnsesa fomulaM = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]
Nhwɛso a mfaso wɔ so
Fie $400,000 a wotua $80,000 ahyɛase no ma bosea yɛ $320,000. Wɔ 6.25% so mfe 30 no, sika titiriw ne mfɛntom yɛ bɛyɛ $1,970 ɔsram biara ansa na tow ne ahobammɔ aba so.
Nsusuwii, nea nea afi mu aba kyerɛ ne mfomso a ɛtaa ba
Akontaabu nsusuwii
The interest rate stays fixed. Estimated PMI stops at 80% of original home value; lender rules can differ.
Extra payments reduce principal; entries beyond payoff are ignored and the final payment is capped.
Property tax, insurance, HOA and other costs grow annually at the entered rates and continue through the selected term even after early payoff.
Sɛnea wobɛte nea afi mu aba no ase
Result titiriw yɛ fie tua nyinaa a wɔabu wɔ ɔsram anaa dapɛn abien frequency a woapaw no.
Mfɛntom nyinaa kata principal ne mfɛntom tua nkutoo so, ɛnyɛ tow, insurance, HOA anaa PMI.
Fa scenario ntotoho no susuw nsonsonoe a ɛda tua a ɛtaa ba ne mfɛntom a wobetua bere nyinaa ntam.
Mfomso a ɛtaa ba a ɛsɛ sɛ wokwati
Sɛ wode afe tow anaa insurance sika hyɛ mu sɛ ɔsram sika.
Sɛ wode rates toto ho a womfa bere koro, points ne ɔdefɛmfo ka ntoto ho.