Na'urar lissafin lamuni a kan darajar gida (home equity)
Nawa za ku iya aro a kan gidanku da kuma nawa lamunin equity mai ƙayyadadden kuɗin ruwa zai ci.
Game da Na'urar lissafin lamuni a kan darajar gida (home equity)
Nawa za ku iya aro a kan gidanku da kuma nawa lamunin equity mai ƙayyadadden kuɗin ruwa zai ci.
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 lamuni a kan darajar gida (home equity)
Abin da yake lissafawa da lokacin amfani da shi
Lissafa yawan kuɗin da za ku iya aro a kan gidanku da tsayayyen biya na lamunin home equity (jinginar gida ta biyu).
Yadda ake amfani da shi, mataki-mataki
- Shigar da ƙimar gida da sauran bashin jinginar gida na yanzu.
- Saita matsakaicin haɗin rabon lamuni zuwa ƙima (combined loan-to-value) da mai ba ku lamuni ya yarda.
- Shigar da kashin kuɗin ruwa da wa'adi, da adadin da kuke son aro.
Ma'anar kowace shigarwa
- Combined loan-to-value – The maximum of mortgage plus new loan as a percentage of value. Lenders commonly use 80–85%.
- Adadi zuwa borrow – Leave blank zuwa use the Mafi girma.
Yadda ake karanta sakamako
- Equity you could borrow – Ƙima × limit − mortgage Saura.
- Combined LTV Bayan – Mortgage plus new loan ÷ Ƙima.
- Biyan kuɗi na wata – The fixed payment over the Wa'adi.
Dabarar lissafi
Available = value × limit − mortgage balance. Payment = amount × r ÷ (1 − (1 + r)^−n), where r is the yearly rate ÷ 12.
Misali da aka warware
A 400,000 home with a 240,000 mortgage and an 85% limit leaves 100,000 to borrow. At 8.25% for 15 years the payment is 970.14, total interest is 74,625 and the combined loan-to-value is 85%.
Zato da iyakoki
- Fixed kashi da equal payments.
- Fees da valuation Kuɗaɗe are excluded.
- The Gida secures the loan.
Kurakuran da aka saba yi
- Borrowing the Mafi girma akan non-essential spending.
- Forgetting that missed payments put your home at risk.
Tambayoyin da ake yawan yi
Ta yaya lamunin home equity ya bambanta da HELOC?
Lamuni yana ba da kuɗi dunƙule ɗaya a kashi da biya tsayayyu. HELOC layin bashi ne mai kashi mai canzawa da kuke ciro daga gare shi a hankali.
Shin ana iya cire kuɗin ruwa daga haraji?
A Amurka, sai a wasu yanayi kaɗan kamar gyaran gida. Tambayi mai ba da shawara kan haraji.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Equity you could borrow
- £100,000.00
- Equity now
- £160,000.0040% na Ƙima
- Combined loan-to-value Bayan
- 85%
- Jimillar kuɗin ruwa
- £74,625.26
- Jimillar da aka biya
- £174,625.26