Calculator yeKukwanisika kweImba

Calculator yeKukwanisika kweImba

Fungidzira mutengo weimba unokwanisika kubva pamari inowanikwa, zvikwereti, mubhadharo wekutanga nemari dzeimba.

NZWISISA MHINDURO

Izvi zvinoverengwa sei?

Fungidziro inoganhurira mari yeimba ichishandisa front-end housing ratio neback-end total-debt ratio. Mitero, inishuwarenzi neHOA zvinobviswa usati washandura mubhadharo uripo wemari huru nemubereko kuita mari yechikwereti.

Nzira yeratio yemari inowanikwa nechikweretiMari yepamusoro yeimba = min(mari inowanikwa × front ratio, mari inowanikwa × back ratio − zvikwereti)

Muenzaniso unoshanda

Mhuri inowana $120,000 ine chikwereti che$500 pamwedzi, mubhadharo wekutanga we$60,000 nemari dzakajairika dzeimba inogona kukwanisa imba iri pakati pe$400,000, zvichienderana nemubereko nema ratios.

Fungidziro, dudziro uye zvikanganiso zvakajairika

Fungidziro dzekuverenga

  • Mari yose inowanikwa nezvikwereti zvinodzokororwa pamwedzi zvakapinzwa zvakarurama.
  • Mwero wemubereko nenguva yechikwereti zvinoramba zvakatarwa.
  • Mutero, inishuwarenzi neHOA zvinomiririrwa nefungidziro imwe chete yemwedzi.

Kududzira mhedzisiro

  • Mutengo unokwanisika imari yechikwereti inofungidzirwa pamwe nemubhadharo wekutanga uripo.
  • Ratio inoganhurira ndiyo muganhu wemari inowanikwa kana chikwereti chose unobvumira mari diki yeimba.
  • Mari yepamusoro inobvumirwa nemukweretesi inogona kupfuura bhajeti rakasununguka remhuri.

Zvikanganiso zvakajairika zvekudzivisa

  • Kuisa muhoro unoenda nawo kumba panzvimbo yakanyorwa gross income.
  • Kusiya zvikwereti zvevadzidzi, zvikwereti zvemota, mubhadharo mudiki wemakadhi kana zvimwe zvikwereti.
  • Kukanganwa kugadzirisa, utilities, mari dzekuvhara nemari yechimbichimbi.