Na'urar lissafin kuɗin farko (down payment)
Nawa kuke buƙata a matsayin kuɗin farko a matakan loan-to-value daban-daban da kuma tsawon lokacin tara su.
Game da Na'urar lissafin kuɗin farko (down payment)
Nawa kuke buƙata a matsayin kuɗin farko a matakan loan-to-value daban-daban da kuma tsawon lokacin tara su.
Ɓangare ne na sashen “Jinginar gida & gidaje” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin kuɗin farko (down payment)
Abin da yake lissafawa da lokacin amfani da shi
Nemo kuɗin farkon da kuke buƙata a kashi daban-daban na farashin gida da tsawon lokacin da zai ɗauka don tara shi, ta amfani da ajiyarku ta yanzu, ajiyar wata-wata da kuɗin ruwa.
Yadda ake amfani da shi, mataki-mataki
- Shigar da farashin gida da kashin kuɗin farko da kuke so.
- Shigar da abin da kuka ajiye, yawan abin da za ku iya ajiyewa kowane wata da kuɗin ruwan da kuke samu.
- Karanta lokacin kai wa ga buri da teburin matakan kuɗin farko da aka saba.
Ma'anar kowace shigarwa
- Kuɗin farko you want – A kaso na the farashi.
- An ajiye so nisa – The Adadi already set aside.
- Kowane wata Ajiya – ta How much you add each mon.
- Kuɗin ruwa on savings – The Kowace shekara return you expect.
Yadda ake karanta sakamako
- Lokacin ajiya – Watanni da Shekaru har zuwa savings reach the buri.
- Kuɗin farko Tebur – The cash needed and the loan left at 3.5%, 5%, 10%, 15% and 20%.
Dabarar lissafi
Target = price × deposit %. The months n satisfy savings × (1 + i)^n + monthly × ((1 + i)^n − 1) ÷ i = target, where i is the monthly interest rate. The solution is n = ln((target + monthly ÷ i) ÷ (savings + monthly ÷ i)) ÷ ln(1 + i).
Misali da aka warware
For a 350,000 home and a 10% deposit the target is 35,000. Starting from 10,000 and saving 800 a month at 4% takes 2 years 5 months.
Zato da iyakoki
- Kuɗin ruwa compounds Kowane wata da is not taxed.
- Home prices are held flat while you save, but they could rise.
Kurakuran da aka saba yi
- Leaving out buying Kuɗaɗe on top na the Kuɗin farko.
- Saving for 20% when a lower deposit with good terms may suit you.
Tambayoyin da ake yawan yi
Shin ina buƙatar 20%?
A'a. A Amurka ƙaramin kuɗin farko galibi yana nufin inshorar jinginar gida ta sirri (private mortgage insurance). A Birtaniya, kashi galibi yana inganta idan kuɗin farko ya kai 10%, 15% da 25%.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Reach it around
- April 2029
- Loan you would buƙata
- £315,000
- Jimilla you ajiye
- £23,200.00
Kuɗin farko at na yau da kullum levels
| Kuɗin farko | Adadi | Loan |
|---|---|---|
| 3.5% | £12,250 | £337,750 |
| 5% | £17,500 | £332,500 |
| 10% | £35,000 | £315,000 |
| 15% | £52,500 | £297,500 |
| 20% | £70,000 | £280,000 |