Real estate calculator

Cara menggunakan Real estate calculator

Apa yang dihitung dan kapan digunakan

This shows the true monthly cost owning a home including the mortgage, property Pajak, insurance, upkeep, dan any service charge, dan the equity you might build over your holding period.

Cara menggunakan, langkah demi langkah

1. Enter the Beranda Harga, Uang muka Persentase, Suku bunga, dan mortgage Jangka waktu.
2. Add Tahunan property Pajak, insurance, dan maintenance as percentages value.
3. Add buying costs, ke-expected yearly price grow, dan how many years you plan sampai own.
4. Read the Bulanan Biaya, cash needed sampai buy, dan the equity Pada the Selesai.

Arti setiap input

• Uang muka – Persentase the Harga Dibayar up front.
• Property Pajak dan insurance – Tahunan Biaya as a Persentase the home’s Nilai.
• Maintenance – Allowance seharga repairs. 1% dari value per tahun adalah a common guide.
• Buying costs – Fees, stamp duty atau closing costs as a percentage the Harga.
• Harga ke-grow – Your assumption seharga Tahunan appreciation.

Cara membaca hasil

• Bulanan Biaya owning – Mortgage plus Pajak, insurance, maintenance, dan charges.
• Cash needed sampai Beli – Uang muka plus buying costs.
• Equity – Projected Beranda Nilai minus mortgage Saldo after your holding Periode.

Rumus

Mortgage payment = P × r ÷ (1 − (1 + r)^−n). Bulanan Pajak, insurance, dan maintenance = Nilai × Persentase ÷ 12. Nilai after y Tahun = Harga × (1 + growth)^y. Equity = Nilai − remaining mortgage Saldo.

Contoh perhitungan

A 400,000 home with 20% down at 6.5% over 30 years costs about 2,677 a month all inci, including 2,161 seharga the mortgage, dan 333 seharga upkeep. After 10 years at 3% growth it adalah worth about 537,567 dan the mortgage balance adalah about 248,036, so equity is about 289,530.

Asumsi dan batasan

• ke-Property values can fall. Grow adalah an assumption, not a forecast.
• Costs are held Pada their opening level, so Pajak, dan insurance Aksi not rise.
• Selling costs dan Pajak on gains are excluded.

Kesalahan umum

• Comparing the mortgage payment alone with rent.
• Skipping maintenance, which averages around 1% dari value per tahun.

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