Fakafuofua hoʻo totongi fale fakamāhina kakato pea sio ki he feituʻu ʻoku ʻalu ki ai e paʻanga.
MAHINO KI HE TALI
ʻOku fikaʻi fēfē ʻeni?
Ko e P ko e paʻanga tefito ʻo e nō, r ko e tuʻunga tute ki he vahaʻa totongi, pea n ko e lahi fakakātoa ʻo e ngaahi totongi. ʻOku fakaliliu e tukuhau, maluʻi, PMI, HOA mo e ngaahi fakamole kehe ki he tuʻo lahi totongi kuo fili pea tānaki hili e paʻanga tefito mo e tute.
Ko ha fale $400,000 mo e totongi kamata $80,000 ʻoku fakatupu ai ha nō $320,000. ʻI he 6.25% ʻi he taʻu ʻe 30, ko e paʻanga tefito mo e tute ʻoku meimei $1,970 he māhina kimuʻa ʻi he tukuhau mo e maluʻi.
Ngaahi fakafuofua, fakaʻuhinga mo e ngaahi fehālaaki angamaheni
Ngaahi fakafuofua ʻo e fika
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.
Founga ke fakaʻuhingaʻi e ola
Ko e ola tefito ko e totongi fale kakato kuo fakafuofua ʻi he tuʻo lahi fakamāhina pe uike ua kuo fili.
ʻOku fakakau pē ʻe he tute fakakātoa e ngaahi totongi paʻanga tefito mo e tute, kae ʻikai ko e tukuhau, maluʻi, HOA pe PMI.
Ngāueʻaki e fakafehoanaki sīpinga ke fakamaau e fetongi ʻo e totongi angamaheni mo e tute he moʻui ʻo e nō.
Ngaahi fehālaaki angamaheni ke fakaʻehiʻehi mei ai
Fakahū ha tukuhau pe maluʻi fakataʻu ko ha lahi fakamāhina.
Fakafehoanaki e ngaahi tuʻunga tute ʻo ʻikai fakafehoanaki e taimi, poini mo e totongi tokotaha fakapaʻanga tatau.
Fakakaukau ʻoku ngata ʻotometiki e PMI kae ʻikai vakaiʻi e ngaahi tuʻutuʻuni ʻa e tokotaha fakapaʻanga.