Kalikulateri y'inguzanyo y'inzu

Kalikulateri y'inguzanyo y'inzu

Gereranya ubwishyu bwose bw'inzu bwa buri kwezi kandi urebe aho amafaranga ajya.

SOBANUKIRWA IGISUBIZO

Ibi bibarwa bite?

P ni igishoro cy'inguzanyo, r ni igipimo cy'inyungu kuri buri gihe cyo kwishyura, naho n ni umubare w'ubwishyu bwose. Imisoro, ubwishingizi, PMI, HOA n'ibindi biciro bihindurwa bigahuza n'inshuro z'ubwishyu zahiswemo, hanyuma bikongerwa nyuma y'igishoro n'inyungu.

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

Urugero rufatika

Inzu y'amadolari 400.000 wishyuyeho amadolari 80.000 mbere itanga inguzanyo y'amadolari 320.000. Ku nyungu za 6,25% mu myaka 30, igishoro n'inyungu biba hafi amadolari 1.970 ku kwezi mbere y'imisoro n'ubwishingizi.

Ibyafashwe nk'ukuri, uko ibisubizo bisobanurwa n'amakosa akunze kubaho

Ibyafashwe nk'ukuri mu ibara

  • 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 wasobanura igisubizo

  • Igisubizo nyamukuru ni ubwishyu bwose bw'inzu bugereranyijwe ku nshuro zahiswemo za buri kwezi cyangwa buri byumweru bibiri.
  • Inyungu zose zibariramo gusa ubwishyu bw'igishoro n'inyungu, si imisoro, ubwishingizi, HOA cyangwa PMI.
  • Koresha kugereranya ingero kugira ngo usuzume ihitamo hagati y'ubwishyu busanzwe n'inyungu zose mu gihe cy'inguzanyo.

Amakosa akunze kubaho ugomba kwirinda

  • Kwandika umusoro cyangwa ubwishingizi bw'umwaka nk'amafaranga y'ukwezi.
  • Kugereranya ibipimo utagereranyije igihe kimwe, amanota n'amafaranga y'utanga inguzanyo.
  • Kwibwira ko PMI ihita ivaho utabanje kugenzura amategeko y'utanga inguzanyo.