Real estate calculator

Real estate calculatorの使い方

何を計算するか、いつ使うか

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

使い方の手順

1. Enter the ホーム 価格、頭金 割合, 利率、mortgage 期間.
2. Add 毎年 property 税額、insurance、value. maintenance as percentages
3. Add buying costs、expected yearly price grow乗、how many years you plan〜own.
4. Read the 毎月 原価、cash needed〜buy、the equity 適用 the 終了.

各入力項目の意味

• 頭金 – the 価格 有給 up front. 割合
• Property 税額とinsurance – the home’s 値. 毎年 原価 as a 割合
• Maintenance – 年 valueはa common guide.ですのAllowance個でrepairs. 1%
• Buying costs – the 価格. Fees, stamp dutyまたはclosing costs as a percentage
• 価格grow乗 – Your assumption個で毎年 appreciation.

結果の読み方

• owning 毎月 原価 – Mortgage plus 税額、insurance, maintenance、charges.
• Cash needed〜購入 – 頭金 plus buying costs.
• Equity – Projected ホーム 値 minus mortgage 残高 after your holding 周期.

計算式

Mortgage payment = P × r ÷ (1 − (1 + r)^−n). 毎月 税額、insurance、maintenance = 値 × 割合 ÷ 12. 値 after y 年数 = 価格 × (1 + growth)^y. Equity = 値 − remaining mortgage 残高.

計算例

A 400,000 home with 20% down at 6.5% over 30 years costs about 2,677 a month allインチ、including 2,161個でthe mortgage、333個でupkeep. After 10 years at 3% growth itはworth about 537,567ですとthe mortgage balanceはabout 248,036, so equityはabout 289,530.ですです

前提と限界

• Property values can fall. Grow乗はan assumption, not a forecast.です
• Costs are held 適用 their opening level、so 税額、insurance 操作 not rise.
• Selling costsと税額 on gains are excluded.

よくある間違い

• Comparing the mortgage payment alone with rent.
• 年 value.のSkipping maintenance, which averages around 1%

よくある質問

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