Na'urar lissafin gidan da za ku iya saya
Kimanta farashin gidan da za ku iya saya daga kuɗin shiga, bashi, kuɗin farko da ma'aunin masu bayar da lamuni.
Game da Na'urar lissafin gidan da za ku iya saya
Kimanta farashin gidan da za ku iya saya daga kuɗin shiga, bashi, kuɗin farko da ma'aunin masu bayar da lamuni.
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 gidan da za ku iya saya
Abin da yake lissafawa da lokacin amfani da shi
Wannan yana ƙiyasta farashin gidan da za ku iya saya, ana lissafawa daga baya daga kuɗin shigarku, basussukan da kuke da su, kuɗin farko da rabon kuɗin shiga da masu ba da lamuni suka saba yarda a kashe a kan gida.
Yadda ake amfani da shi, mataki-mataki
- Shigar da kuɗin shigar gida kafin haraji da biyan bashinku na wata-wata na yau da kullum.
- Ƙara kuɗin farkonku, kashin kuɗin ruwa da kuke tsammani da wa'adin lamuni.
- Saita harajin kadara, inshora da kowane kuɗin sabis na wata-wata.
- Bar iyakokin a 28% da 36%, ko canza su don dacewa da mai ba ku lamuni.
Ma'anar kowace shigarwa
- Household income – Gross income kowace shekara.
- Kowane wata debts – Payments on cards, loans da cars, but not rent.
- Kuɗin farko – Cash you will put down.
- Property haraji da insurance – Kowace shekara Kuɗaɗe as a kaso na the farashi.
- Housing limit – The maximum share na gross income akan housing. 28% shi ne the traditional guide.
- Duka debts limit – The maximum share of income for housing plus all other debts. 36% is traditional.
Yadda ake karanta sakamako
- Farashi you could afford – Home price at which the monthly cost reaches the lower of the two limits.
- Kowane wata housing Kuɗin sayo – The kasafi available, da which limit set it.
- Mortgage, haraji da insurance – How that kasafi shi ne divided.
Dabarar lissafi
Housing budget = the lower of (income ÷ 12 × housing limit) and (income ÷ 12 × all-debts limit − monthly debts). Price = (budget − charges + deposit × f) ÷ (f + t), where f is the mortgage payment per unit borrowed and t is monthly tax and insurance as a share of price.
Misali da aka warware
Income of 80,000, debts of 300 a month and a 40,000 deposit at 6.5% over 25 years. The 28% limit gives 1,866.67 a month, below the all-debts limit, so the estimate is about 296,343 with a 256,343 mortgage.
Zato da iyakoki
- Lenders also consider credit Tarihi, savings, job stability da stress-test your payments at higher rates.
- The 28/36 rule is a guide, and lenders in your country may use income multiples instead.
- Haraji da insurance are simple percentages na farashi.
Kurakuran da aka saba yi
- Treating the result as a lending offer.
- Leaving out upkeep, utilities da moving Kuɗaɗe.
- Forgetting that a variable rate could raise the payment.
Tambayoyin da ake yawan yi
Me ya sa sakamakon ya yi ƙasa da ninkin kuɗin shiga na mai ba ni lamuni?
Masu ba da lamuni da ke amfani da ninkin kuɗin shiga, kamar ninki 4.5 na albashi, za su iya ba da rance fiye da yadda dokar 28% ta nuna. Abin da za ku iya biya da abin da ake samu abubuwa ne daban-daban.
Shin in yi amfani da kuɗin shiga gross ko net?
Dokar 28/36 tana amfani da kuɗin shiga gross. Ku tabbata biyan ma ya dace da albashin da kuke karɓa a hannu.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Kowane wata housing Kuɗin sayo
- £1,866.67limited by the 28% housing limit
- Mortgage payment
- £1,730.84
- Property haraji
- £49.39
- Insurance
- £86.43
- Income kowace wata
- £6,666.67