Calculator yeMortgage

Calculator yeMortgage

Fungidzira mubhadharo wako wese weimba pamwedzi uye ona panoenda mari.

NZWISISA MHINDURO

Izvi zvinoverengwa sei?

P imari huru yechikwereti, r mwero wemubereko panguva yemubhadharo, uye n huwandu hwese hwemubhadharo. Mitero, inishuwarenzi, PMI, HOA nedzimwe mari zvinoshandurwa kuita nguva yemubhadharo yakasarudzwa uye zvinowedzerwa mushure memari huru nemubereko.

Formula yemortgage yemubhadharo wakatarwaM = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]

Muenzaniso unoshanda

Imba ye$400,000 ine mubhadharo wekutanga we$80,000 inogadzira chikwereti che$320,000. Pa6.25% kwemakore 30, mari huru nemubereko zvinenge $1,970 pamwedzi mitero neinishuwarenzi zvisati zvawedzerwa.

Fungidziro, dudziro uye zvikanganiso zvakajairika

Fungidziro dzekuverenga

  • 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.

Kududzira mhedzisiro

  • Mhedzisiro huru mubhadharo wese weimba unofungidzirwa panguva yakasarudzwa yemwedzi kana mavhiki maviri.
  • Mubereko wose unobatanidza chete mubhadharo wemari huru nemubereko, kwete mitero, inishuwarenzi, HOA kana PMI.
  • Shandisa kuenzanisa mamiriro kuti uongorore chiyero pakati pemubhadharo wenguva dzose nemubereko wenguva yose.

Zvikanganiso zvakajairika zvekudzivisa

  • Kupinza mutero kana inishuwarenzi yegore semari yemwedzi.
  • Kuenzanisa mareti pasina kuenzanisa nguva imwe chete, points nemari dzemukweretesi.
  • Kufungidzira kuti PMI inopera otomatiki pasina kutarisa mitemo yemukweretesi.