Down payment calculator
How much Uang muka you need seharga different loan-to-value levels dan how long it takes sampai save.
Tentang Down payment calculator
How much Uang muka you need seharga different loan-to-value levels dan how long it takes sampai save.
Bagian dari bagian “KPR dan properti” SmartCalcy. Berjalan di peramban Anda tanpa akun, memakai mata uang dan satuan Anda sendiri (ubah di bagian atas halaman), dan memberi perkiraan hanya untuk informasi, jadi periksa panduan resmi sebelum mengandalkan hasilnya.
Cara menggunakan Down payment calculator
Apa yang dihitung dan kapan digunakan
Find the deposit you need at different percentages a home’s price dan how long it will take sampai save, using your Arus savings, Bulanan Penghematan, dan Bunga.
Cara menggunakan, langkah demi langkah
- Enter the Beranda Harga dan the Uang muka Persentase you want.
- Enter what you have saved, ke-how much you can save each mon, dan the Bunga you earn.
- Read the time sampai reach the target dan the table common deposit levels.
Arti setiap input
- Uang muka you want – A Persentase the Harga.
- Saved so far – The Jumlah already set aside.
- Bulanan Penghematan – ke-How much you add each mon.
- Bunga on savings – The Tahunan return you expect.
Cara membaca hasil
- Waktu menabung – Bulan dan Tahun Sampai savings reach the target.
- Uang muka table – The cash needed dan the loan left at 3.5%, 5%, 10%, 15%, dan 20%.
Rumus
Target = Harga × Uang muka %. The bulan n satisfy savings × (1 + i)^n + Bulanan × ((1 + i)^n − 1) ÷ i = target, where i adalah the monthly interest rate. The solution adalah n = ln((target + monthly ÷ i) ÷ (savings + monthly ÷ i)) ÷ ln(1 + i).
Contoh perhitungan
For a 350,000 Beranda dan a 10% deposit the target adalah 35,000. Starting from 10,000 dan saving 800 a month at 4% takes 2 years 5 bulan.
Asumsi dan batasan
- Bunga compounds Bulanan dan is not taxed.
- Beranda prices are held flat while you save, but they could rise.
Kesalahan umum
- Leaving out buying costs on top the Uang muka.
- Penghematan seharga 20% when a lower Uang muka with good terms may suit you.
Pertanyaan yang sering diajukan
Aksi I need 20%?
Tidak. In the US a smaller Uang muka usually means private mortgage insurance. In the UK, rates often improve Pada 10%, 15%, dan 25% deposits.
Alat terkait
Detail
- Reach it around
- April 2029
- Loan you would need
- £315,000
- Total you save
- £23,200.00
Uang muka Pada common levels
| Uang muka | Jumlah | Loan |
|---|---|---|
| 3.5% | £12,250 | £337,750 |
| 5% | £17,500 | £332,500 |
| 10% | £35,000 | £315,000 |
| 15% | £52,500 | £297,500 |
| 20% | £70,000 | £280,000 |