Na'urar lissafin lamunin FHA
Biyan kuɗi na wata a kan jinginar gida ta FHA a Amurka, gami da kuɗin inshorar jingina na farko da na shekara.
Game da Na'urar lissafin lamunin FHA
Biyan kuɗi na wata a kan jinginar gida ta FHA a Amurka, gami da kuɗin inshorar jingina na farko da na shekara.
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 lamunin FHA
Abin da yake lissafawa da lokacin amfani da shi
Ƙiyasta biyan wata-wata na jinginar gida ta FHA a Amurka, har da kuɗin inshorar jinginar gida na farko da na shekara-shekara waɗanda ke bambanta FHA da lamuni na yau da kullum.
Yadda ake amfani da shi, mataki-mataki
- Shigar da farashi da kashin kuɗin farkonku (down payment).
- Shigar da kashin kuɗin ruwa da wa'adin lamuni.
- Duba kuɗin inshora, harajin kadara da inshorar gida.
- Karanta jimillar biya da sassanta.
Ma'anar kowace shigarwa
- Down payment – FHA allows 3.5% with a 580+ credit score, or 10% from 500 to 579.
- Upfront premium – Usually 1.75% na the loan da normally added zuwa it.
- Annual premium – Charged monthly. The rate depends on loan size, term and down payment, so confirm it with your lender.
Yadda ake karanta sakamako
- Biyan kuɗi na wata – Babban kuɗi da interest, mortgage insurance, haraji da insurance.
- Adadin lamuni – The price minus the down payment, plus the upfront premium.
Dabarar lissafi
Loan = price × (1 − down payment) × (1 + upfront premium). Principal and interest = Loan × r ÷ (1 − (1 + r)^−n). Monthly MIP = base loan × annual rate ÷ 12.
Misali da aka warware
A 350,000 home with 3.5% down is a 337,750 base loan. With a 1.75% upfront premium the loan is 343,661. At 6.5% over 30 years, principal and interest is 2,172.17; with 154.80 of MIP plus tax and insurance the total is about 2,749.89 a month.
Zato da iyakoki
- FHA premiums, loan limits and rules are set by HUD and change. Treat the defaults as editable and check current values.
- MIP is calculated on the base loan, a simplification of HUD’s method.
Kurakuran da aka saba yi
- Ignoring that MIP can last for the life of the loan with under 10% down.
- Forgetting loan limits that vary by county.
Tambayoyin da ake yawan yi
Yaushe zan iya cire inshorar jinginar gida ta FHA?
Idan kuɗin farko ya kai 10% ko fiye, galibi tana ƙarewa bayan shekara 11. Idan ƙasa da haka, galibi tana ci gaba har ƙarshen lamunin, don haka masu aro da yawa suna sake samun lamuni (refinance) daga baya.
Shin FHA ya fi lamuni na yau da kullum arha?
Ya dogara da makin bashinku da kuɗin farkonku. Kwatanta duka biyun.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Babban kuɗi da Kuɗin ruwa
- £2,172.17
- Annual MIP, Kowane wata
- £154.80
- Property haraji
- £320.83
- Gida insurance
- £102.08
- Down payment
- £12,250.00
- Jimillar kuɗin ruwa
- £438,320.19