Real estate calculator

Come usare il Real estate calculator

Cosa calcola e quando usarlo

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

Come si usa, passo dopo passo

1. Enter the home Prezzo, Anticipo Percentuale, Tasso e mortgage Durata.
2. Add Annuale property Imposta, insurance e maintenance as percentages di value.
3. Add buying costs, expected yearly price growª e how many years you plan a own.
4. Read the Mensile Costo, cash needed a buy e the equity A the Fine.

Cosa significa ogni dato

• Anticipo – Percentuale di the Prezzo Retribuite up front.
• Property Imposta e insurance – Annuale Costo as a Percentuale di the home’s Valore.
• Maintenance – Allowance per repairs. 1% di value all’anno è a common guide.
• Buying costs – Fees, stamp duty o closing costs as a percentage di the Prezzo.
• Prezzo growª – Your assumption per Annuale appreciation.

Come leggere i risultati

• Mensile Costo di owning – Mortgage plus Imposta, insurance, maintenance e charges.
• Cash needed a Compra – Anticipo plus buying costs.
• Equity – Projected home Valore minus mortgage Saldo dopo your holding Periodo.

La formula

Mortgage payment = P × r ÷ (1 − (1 + r)^−n). Mensile Imposta, insurance e maintenance = Valore × Percentuale ÷ 12. Valore dopo y Anni = Prezzo × (1 + growth)^y. Equity = Valore − remaining mortgage Saldo.

Un esempio pratico

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

Ipotesi e limiti

• Property values can fall. Growª è an assumption, not a forecast.
• Costs are held A their opening level, so Imposta e insurance do not rise.
• Selling costs e Imposta on gains are excluded.

Errori comuni

• Comparing the mortgage payment alone with rent.
• Skipping maintenance, which averages around 1% di value all’anno.

Domande frequenti

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