Hakanya tefo eohle ea ntlo ea khoeli le khoeli 'me u bone moo chelete e eang teng.
UTLOISISA KARABO
Sena se baloa joang?
P ke motheo oa kalimo, r ke sekhahla sa tsoala ka nako ea tefo, 'me n ke palo eohle ea litefo. Lekhetho, inshorense, PMI, HOA le litšenyehelo tse ling li fetoleloa ho makhetlo a khethiloeng a tefo 'me li eketsoa ka mor'a motheo le tsoala.
Foromo ea mokoloto oa ntlo oa tefo e tsitsitsengM = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]
Mohlala o sebetsang
Ntlo ea $400,000 e nang le tefo ea pele ea $80,000 e hlahisa kalimo ea $320,000. Ka 6.25% bakeng sa lilemo tse 30, motheo le tsoala ke hoo e ka bang $1,970 ka khoeli pele ho lekhetho le inshorense.
Likhopolo, tlhaloso le liphoso tse tloaelehileng
Likhopolo tsa palo
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.
Mokhoa oa ho hlalosa sephetho
Sephetho se seholo ke tefo eohle e hakanyetsoang ea bolulo ka makhetlo a khethiloeng a khoeli kapa libeke tse peli.
Tsoala eohle e koahela feela litefo tsa motheo le tsoala, eseng lekhetho, inshorense, HOA kapa PMI.
Sebelisa papiso ea maemo ho lekola phapanyetsano pakeng tsa tefo e tloaelehileng le tsoala ea bophelo bohle ba kalimo.
Liphoso tse tloaelehileng tseo u lokelang ho li qoba
Ho kenya lekhetho kapa inshorense ea selemo e le chelete ea khoeli.
Ho bapisa likhahla ntle le ho bapisa nako e tšoanang, lintlha le litefiso tsa moalimi.
Ho nahana hore PMI e nyamela ka bo eona ntle le ho hlahloba melao ea moalimi.