Estimatem praes blong haos we yu save pem folem income, kaon, daon peimen mo haos kost.
KASEM SAVE LONG ANSA
Olsem wanem oli kalkuletem hemia?
Estimate i limitim haos kost wetem front-end haos ratio mo back-end ful kaon ratio. Oli tekemaot takis, insurens mo HOA bifo oli tanem principal-mo-intres peimen we i stap i go long lon amaon.
Metod blong income mo kaon ratioMaksimam haos kost = min(income × front ratio, income × back ratio − kaon)
Wan praktikol eksampol
Wan famle we i kasem $120,000, i gat kaon blong $500 evri manis, $60,000 daon peimen mo nomol haos kost, maet i save pem wan haos raon medel blong $400,000, folem ret mo ratio.
Ol tingting we kalkulesen i yusum, mining mo ol nomol mastik
Ol tingting we kalkulesen i yusum
Gross income mo kaon we i kambak evri manis oli mas stret.
Intres ret mo lon term oli stap fixed.
Takis, insurens mo HOA oli stap olsem wan fixed estimate evri manis.
Olsem wanem blong kasem save long risal
Praes we yu save pem i estimate blong lon plus daon peimen we yu gat.
Binding ratio hem i income o ful kaon limit we i letem smol haos kost.
Maksimam we lender i letem i save hae moa long wan bajet we famle i fil gud long hem.
Ol nomol mastik blong blokem
Yusum mane we yu tekem i go hom long ples we i askem gross income.