Na'urar lissafin jinginar gida
Biyan kuɗi na wata daga farashi, kuɗin farko, kashi da wa'adi, tare da ƙarin biya.
Game da Na'urar lissafin jinginar gida
Biyan kuɗi na wata daga farashi, kuɗin farko, kashi da wa'adi, tare da ƙarin biya.
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 jinginar gida
Abin da yake lissafawa da lokacin amfani da shi
Yana ƙiyasta biyan wata-wata na jinginar gida mai biyan bashi daga farashi, kuɗin farko, kashi da wa'adi, tare da tasirin ƙarin biya.
Yadda ake amfani da shi, mataki-mataki
- Shigar da farashin kadarar da kuɗin farko a matsayin kashi ko adadi.
- Shigar da kashin kuɗin ruwa da wa'adi.
- Ƙara ƙarin biya don ganin lokaci da kuɗin ruwan da yake ajiyewa.
Ma'anar kowace shigarwa
- Farashin gida – Farashin saye da aka amince da shi.
- Kuɗin farko – Shigar da shi a matsayin kashi ko adadi. Babban kuɗin farko yana nufin ƙaramin lamuni.
- Kashin kuɗin ruwa – Kashin shekara akan jinginar gida mai biyan bashi.
- Wa'adi – Tsawon jinginar gida a shekaru.
- Ƙarin biya kowane wata – Ƙarin biya na zaɓi a kan wanda ake buƙata.
Yadda ake karanta sakamako
- Biyan kuɗi na wata – Babban kuɗi da Kuɗin ruwa only.
- Kashin lamuni da darajar gida (LTV) – The loan as a percentage of the price. Lower LTV usually means better rates.
- Jimillar kuɗin ruwa – Kuɗin ruwa over the whole Wa'adi.
Dabarar lissafi
Biyan wata = P × r ÷ (1 − (1 + r)^−n), inda P shi ne farashi ban da kuɗin farko, r kashin shekara ÷ 12 kuma n wa'adi a watanni.
Misali da aka warware
Gida na 300,000 tare da kuɗin farko na 15% yana barin 255,000 da za a aro. A 4.5% cikin shekaru 25 biyan kusan 1,417.37 ne a wata kuma kuɗin ruwa a cikakken wa'adi kusan 170,212 ne. Ƙarin biyan 100 a wata yana gama jinginar cikin kusan shekaru 22 da watanni 2 kuma yana ajiye kusan 21,930 na kuɗin ruwa.
Zato da iyakoki
- A fixed kashi akan the whole Wa'adi.
- Property tax, insurance and fees are excluded. Use the real estate calculator for the full cost of owning.
Kurakuran da aka saba yi
- Yin kasafin kuɗi don biyan kawai. Haraji, inshorar gini, kuɗaɗe da gyara ƙari ne.
- Ɗauka kashin zai tsaya ɗaya a duk wa'adin. Duba lokacin da yarjejeniyarku za ta ƙare.
- Ƙarin biya ba tare da duba iyakar ƙarin biya ta shekara ta mai ba da lamuni ba.
Tambayoyin da ake yawan yi
Wane kuɗin farko nake buƙata?
Ya dogara da mai ba da lamuni da ƙasa. Galibi ana samun kashi mafi kyau idan kuɗin farko ya kai 10% ko fiye.
A ina zan ga kuɗaɗen wata-wata har da haraji?
Yi amfani da na'urar lissafin gidaje (real estate) ko na'urar lissafin iya sayen gida.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Kuɗin farko
- £45,00015%
- Kashin lamuni da darajar gida (LTV)
- 85%
- Jimillar kuɗin ruwa
- £170,212
- Jimillar da aka biya
- £425,212
Shekara-shekara
| Shekara | Babban kuɗi | Kuɗin ruwa | Saura |
|---|---|---|---|
| 1 | £5,649 | £11,359 | £249,351 |
| 2 | £5,909 | £11,100 | £243,442 |
| 3 | £6,180 | £10,828 | £237,262 |
| 4 | £6,464 | £10,545 | £230,799 |
| 5 | £6,761 | £10,248 | £224,038 |
| 6 | £7,071 | £9,937 | £216,966 |
| 7 | £7,396 | £9,612 | £209,570 |
| 8 | £7,736 | £9,272 | £201,834 |
| 9 | £8,091 | £8,917 | £193,742 |
| 10 | £8,463 | £8,545 | £185,279 |
| 11 | £8,852 | £8,156 | £176,427 |
| 12 | £9,259 | £7,750 | £167,168 |
| 13 | £9,684 | £7,324 | £157,484 |
| 14 | £10,129 | £6,880 | £147,356 |
| 15 | £10,594 | £6,414 | £136,761 |
| 16 | £11,081 | £5,928 | £125,680 |
| 17 | £11,590 | £5,419 | £114,090 |
| 18 | £12,122 | £4,886 | £101,968 |
| 19 | £12,679 | £4,329 | £89,289 |
| 20 | £13,262 | £3,747 | £76,027 |
| 21 | £13,871 | £3,137 | £62,156 |
| 22 | £14,508 | £2,500 | £47,648 |
| 23 | £15,175 | £1,834 | £32,473 |
| 24 | £15,872 | £1,137 | £16,601 |
| 25 | £16,601 | £407 | £0 |