Kalkulator kredit FHA
Cicilan saben sasi KPR FHA ing AS kalebu premi asuransi KPR ing ngarep lan taunan.
Babagan Kalkulator kredit FHA
Cicilan saben sasi KPR FHA ing AS kalebu premi asuransi KPR ing ngarep lan taunan.
Bagean saka seksi “KPR & properti” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator kredit FHA
Apa sing dietung lan kapan nganggo
Ngira-ira cicilan saben sasi KPR FHA ing AS, kalebu premi asuransi KPR ngarep lan taunan sing mbedakake FHA saka utangan konvensional.
Carane nganggo, langkah demi langkah
- Lebokna rega lan persentase DP panjenengan.
- Lebokna suku bunga lan tenor utangan.
- Priksa premi asuransi, pajak properti lan asuransi omah.
- Waca total cicilan lan bagean-bageane.
Tegese saben input
- Down payment – FHA allows 3.5% with a 580+ credit score, or 10% from 500 to 579.
- Upfront premium – Usually 1.75% saka the loan lan normally added nganti it.
- Annual premium – Charged monthly. The rate depends on loan size, term and down payment, so confirm it with your lender.
Carane maca asile
- Cicilan saben sasi – Pokok lan interest, mortgage insurance, pajak lan insurance.
- Jumlah utangan – The price minus the down payment, plus the upfront premium.
Rumus
Loan = price × (1 − down payment) × (1 + upfront premium). Principal and interest = Loan × r ÷ (1 − (1 + r)^−n). Monthly MIP = base loan × annual rate ÷ 12.
Conto petungan
A 350,000 home with 3.5% down is a 337,750 base loan. With a 1.75% upfront premium the loan is 343,661. At 6.5% over 30 years, principal and interest is 2,172.17; with 154.80 of MIP plus tax and insurance the total is about 2,749.89 a month.
Asumsi lan watesan
- FHA premiums, loan limits and rules are set by HUD and change. Treat the defaults as editable and check current values.
- MIP is calculated on the base loan, a simplification of HUD’s method.
Kesalahan umum
- Ignoring that MIP can last for the life of the loan with under 10% down.
- Forgetting loan limits that vary by county.
Pitakonan sing kerep ditakokake
Kapan aku bisa mbusak asuransi KPR FHA?
Kanthi DP 10% utawa luwih biasane rampung sawise 11 taun. Yen kurang, biasane lumaku sajrone umur utangan, mula akeh peminjam refinance mengko.
Apa FHA luwih murah tinimbang konvensional?
Gumantung skor kredit lan DP panjenengan. Bandhingake loro-lorone.
Piranti sing gegandhengan
Rincian
- Pokok lan Bunga
- £2,172.17
- Annual MIP, Saben sasi
- £154.80
- Property pajak
- £320.83
- Beranda insurance
- £102.08
- Down payment
- £12,250.00
- Total bunga
- £438,320.19