Akuma ko kubara inguzanyo y'inzu

Akuma ko kubara inguzanyo y'inzu

Gereranya amahera yose y'inzu wishura buri kwezi kandi urabe aho aja.

TAHURA INYISHU

Ibi bibarwa gute?

P ni umutahe w'inguzanyo, r ni igipimo c'inyungu ku kiringo co kwishura, n na yo ni igitigiri cose c'ukwishura. Imisoro, ubwishingizi, PMI, HOA n'ibindi biciro bihindurwa bikurikije incuro zatowe zo kwishura, hanyuma bikongerwa ku mutahe n'inyungu.

Ifomula y'inguzanyo y'inzu y'ikiguzi kidahindukaM = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]

Akarorero ngirakamaro

Inzu y'amadolari 400.000 yatangiwe amadolari 80.000 isiga inguzanyo y'amadolari 320.000. Ku 6,25% mu myaka 30, umutahe n'inyungu ni hafi amadolari 1.970 buri kwezi imbere y'imisoro n'ubwishingizi.

Ivyiyumviro, insiguro n'amakosa akunze gukorwa

Ivyo ibiharuro bishingirako

  • 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.

Uko wotahura inyishu

  • Inyishu nyamukuru ni ikiguzi cose c'inzu cagereranyijwe ku ncuro zatowe za buri kwezi canke buri ndwi zibiri.
  • Inyungu yose irimwo gusa ukwishura umutahe n'inyungu, si imisoro, ubwishingizi, HOA canke PMI.
  • Koresha kugereranya uburyo kugira upime ihitamwo hagati y'ikiguzi gisanzwe n'inyungu yose y'ikiringo.

Amakosa akunze gukorwa ukwiye kwirinda

  • Kwinjiza umusoro canke ubwishingizi bw'umwaka nk'aho ari amahera y'ukwezi.
  • Kugereranya ibipimo utabanje guhuza ikiringo, amanota n'amahera y'uwuguriza.
  • Kwiyumvira ko PMI ica ikurwaho ata gusuzuma amategeko y'uwuguriza.