Na'urar lissafin haya ko saye
Kwatanta kuɗin haya na dogon lokaci da saye, gami da gyara, ƙaruwar daraja da kuɗin da za ku zuba jari.
Game da Na'urar lissafin haya ko saye
Kwatanta kuɗin haya na dogon lokaci da saye, gami da gyara, ƙaruwar daraja da kuɗin da za ku zuba jari.
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 haya ko saye
Abin da yake lissafawa da lokacin amfani da shi
Kwatanta kuɗin net na dogon lokaci na haya da sayen gida makamancin haka, ana ƙidaya gyara, kuɗaɗen saye da sayarwa, haɓakar farashi da abin da mai haya zai iya samu ta hanyar zuba kuɗin farko a jari.
Yadda ake amfani da shi, mataki-mataki
- Shigar da farashi, kuɗin farko, kashin jinginar gida da wa'adi.
- Shigar da kuɗaɗen gudanarwa na shekara, kuɗaɗen saye da sayarwa da haɓakar farashi.
- Shigar da hayar gida makamancin haka, ƙaruwarta ta shekara da ribar da za ku iya samu a kan tsabar kuɗinku.
- Zaɓi adadin shekaru kuma ku kwatanta jimillar kuɗaɗen da suka taru.
Ma'anar kowace shigarwa
- Haraji, insurance da upkeep – A Kowace shekara kaso na the home’s Ƙima.
- Rent Ƙaruwa – How much rent rises Kowanne shekara.
- Return on An zuba jari cash – What the deposit and buying costs could earn if you rented.
Yadda ake karanta sakamako
- Net Kuɗin sayo na buying – Costs paid minus what you would get back on sale after repaying the mortgage.
- Net Kuɗin sayo na renting – Rent paid minus the growth earned on the cash you kept.
- Pulls ahead Bayan – The first year buying becomes the cheaper option.
Dabarar lissafi
Net cost of buying = deposit + buying costs + mortgage payments + running costs − (sale value × (1 − selling costs) − mortgage balance). Net cost of renting = total rent − upfront cash × ((1 + return)^years − 1).
Misali da aka warware
For a 350,000 home with 20% down at 6.5%, rent of 1,700 a month and 3% growth, buying costs about 144,889 net after 10 years and renting about 185,438, so buying is cheaper by about 40,549 and pulls ahead after year 6.
Zato da iyakoki
- The renter invests the upfront cash da babu komai else.
- No haraji relief, no maintenance surprises da no change a rates.
- The decision also depends on lifestyle da flexibility.
Kurakuran da aka saba yi
- Treating the mortgage payment as the whole cost of owning.
- Using an unrealistic farashi growth kashi.
Tambayoyin da ake yawan yi
Me ya sa saye ke faɗuwa a ɗan gajeren lokaci?
Kuɗaɗen saye da sayarwa suna da yawa, kuma biyan jinginar gida na farko galibi kuɗin ruwa ne.
Shin haya zubar da kuɗi ne?
Haya tana sayen wurin zama kamar yadda kuɗin ruwa da gyara ke yi ga masu gida. Kwatanta jimillar kuɗaɗe, kamar yadda wannan kayan aiki ke yi.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Net Kuɗin sayo na buying
- £144,889costs minus what you get back on sale
- Net Kuɗin sayo na renting
- £185,438rent minus growth on the money you keep
- Buying pulls ahead Bayan
- 6 shekaru
Cumulative net Kuɗin sayo
| Shekara | Saya | Rent |
|---|---|---|
| 1 | £32,379 | £16,550 |
| 5 | £87,599 | £87,033 |
| 10 | £144,889 | £185,438 |