Na'urar lissafin gidaje (real estate)
Kuɗin mallakar gida na wata, kuɗin da ake buƙata don saye da kuma ribar mallakar (equity) da za ku iya ginawa.
Game da Na'urar lissafin gidaje (real estate)
Kuɗin mallakar gida na wata, kuɗin da ake buƙata don saye da kuma ribar mallakar (equity) da za ku iya ginawa.
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 gidaje (real estate)
Abin da yake lissafawa da lokacin amfani da shi
Wannan yana nuna ainihin kuɗin wata-wata na mallakar gida har da jinginar gida, harajin kadara, inshora, gyara da kowane kuɗin sabis, da ikon mallaka (equity) da za ku iya ginawa a tsawon lokacin da kuka riƙe shi.
Yadda ake amfani da shi, mataki-mataki
- Shigar da farashin gida, kashin kuɗin farko, kashi da wa'adin jinginar gida.
- Ƙara harajin kadara na shekara, inshora da gyara a matsayin kashi na ƙima.
- Ƙara kuɗaɗen saye, haɓakar farashi da ake tsammani a shekara da shekarun da kuke shirin mallaka.
- Karanta kuɗin wata-wata, tsabar kuɗin da ake buƙata don saye da equity a ƙarshe.
Ma'anar kowace shigarwa
- Kuɗin farko – Kashi na the farashi An biya up front.
- Property haraji da insurance – Kowace shekara Kuɗin sayo as a kaso na the home’s Ƙima.
- Maintenance – Allowance for repairs. 1% of value a year is a common guide.
- Buying Kuɗaɗe – Fees, stamp duty or closing costs as a percentage of the price.
- Farashi ta grow – Your assumption akan Kowace shekara appreciation.
Yadda ake karanta sakamako
- Kowane wata Kuɗin sayo na owning – Mortgage plus haraji, insurance, maintenance da charges.
- Cash Ana buƙata da za a saya – Kuɗin farko plus buying Kuɗaɗe.
- Equity – Projected home value minus mortgage balance after your holding period.
Dabarar lissafi
Mortgage payment = P × r ÷ (1 − (1 + r)^−n). Monthly tax, insurance and maintenance = value × percentage ÷ 12. Value after y years = price × (1 + growth)^y. Equity = value − remaining mortgage balance.
Misali da aka warware
A 400,000 home with 20% down at 6.5% over 30 years costs about 2,677 a month all in, including 2,161 for the mortgage and 333 for upkeep. After 10 years at 3% growth it is worth about 537,567 and the mortgage balance is about 248,036, so equity is about 289,530.
Zato da iyakoki
- ta Property values can fall. Grow shi ne an assumption, not a forecast.
- Costs are held at their opening level, so tax and insurance do not rise.
- Selling Kuɗaɗe da haraji on gains are excluded.
Kurakuran da aka saba yi
- Comparing the mortgage payment alone with rent.
- Skipping maintenance, which averages around 1% na value a shekara.
Tambayoyin da ake yawan yi
Mene ne equity?
Ɓangaren gidan da kuka mallaka kai tsaye: ƙimarsa a cire jinginar gida.
Me ya sa za a haɗa da gyara?
Masu gida suna biyan gyare-gyare da maye gurbin abubuwa da mai gidan haya ke ɗauka ga masu haya.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Cash Ana buƙata da za a saya
- £88,000.00Kuɗin farko plus buying Kuɗaɗe
- Mortgage Adadi
- £320,000.00
- Gida Ƙima Bayan 10 shekaru
- £537,566.55
- Mortgage Saura then
- £248,036.35
- Equity then
- £289,530.20
- Kuɗin ruwa An biya a that Lokaci
- £187,315.90