Kalkuleta bilong dinau bilong haus

Kalkuleta bilong dinau bilong haus

Estimetim olgeta pe bilong haus long mun na lukim mani i go we.

SAVE LONG ANSA

Ol i kalkuletim dispela olsem wanem?

P em prinsipal bilong dinau, r em intres ret long pe taim, na n em olgeta namba bilong pe. Ol i tanim takis, insurens, PMI, HOA na ol narapela kost i go long pe taim yu makim na adim bihain long prinsipal na intres.

Fomula bilong fiks-pe mogesM = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]

Wanpela gutpela eksampel

Haus bilong $400,000 wantaim $80,000 daun pe i kamapim dinau $320,000. Long 6.25% inap 30 yia, prinsipal na intres i klostu $1,970 long mun paslain long takis na insurens.

Ol asampsen, mining na nomol rong

Ol asampsen bilong kalkulesen

  • Intres ret i no senis. Estimet bilong PMI i stop taim balens i kam long 80% bilong orijinal veliu bilong haus; ol lo bilong man i givim dinau inap narapela.
  • Moa pe i daunim principal; ol entri bihain long dinau i pinis i no kaun na las pe i gat limit.
  • Taks bilong propati, insurens, asosiesen bilong ol haus ona na ol narapela kos i go antap long olgeta yia long ol ret yu putim na i go yet long olgeta taim yu makim, maski dinau i pinis kwik.

Rot bilong save long risal

  • Bikpela risal em estimet olgeta pe bilong haus long taim bilong mun o tupela wik yu makim.
  • Olgeta intres i karamapim prinsipal-na-intres pe tasol, i no takis, insurens, HOA o PMI.
  • Yusim senario skelim bilong lukim senis namel long nomol pe na olgeta intres.

Nomol rong yu mas abrusim

  • Putim takis o insurens bilong yia olsem mani bilong mun.
  • Skelim ret na no skelim wankain tem, poin na fi bilong lenda.
  • Ting PMI i pinis otomatik na no sekim lo bilong lenda.