Kalkulator kredit ekuitas omah
Sepira sing bisa panjenengan utang kanthi jaminan omah lan sepira biaya kredit ekuitas kanthi bunga tetep.
Babagan Kalkulator kredit ekuitas omah
Sepira sing bisa panjenengan utang kanthi jaminan omah lan sepira biaya kredit ekuitas kanthi bunga tetep.
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 ekuitas omah
Apa sing dietung lan kapan nganggo
Etung sepira sing bisa panjenengan utang kanthi jaminan omah lan cicilan tetep kanggo utangan home equity (KPR kapindho).
Carane nganggo, langkah demi langkah
- Lebokna nilai omah lan saldo KPR saiki.
- Atur loan-to-value gabungan maksimal sing diidini bank panjenengan.
- Lebokna suku bunga lan tenor, lan jumlah sing arep diutang.
Tegese saben input
- Combined loan-to-value – The maximum of mortgage plus new loan as a percentage of value. Lenders commonly use 80–85%.
- Jumlah nganti borrow – Leave blank nganti use the Maksimal.
Carane maca asile
- Equity you could borrow – Nilai × limit − mortgage Saldo.
- Combined LTV Sawise – Mortgage plus new loan ÷ Nilai.
- Cicilan saben sasi – The fixed payment over the Tenor.
Rumus
Available = value × limit − mortgage balance. Payment = amount × r ÷ (1 − (1 + r)^−n), where r is the yearly rate ÷ 12.
Conto petungan
A 400,000 home with a 240,000 mortgage and an 85% limit leaves 100,000 to borrow. At 8.25% for 15 years the payment is 970.14, total interest is 74,625 and the combined loan-to-value is 85%.
Asumsi lan watesan
- Fixed tarif lan equal payments.
- Fees lan valuation Biaya are excluded.
- The Beranda secures the loan.
Kesalahan umum
- Borrowing the Maksimal kanggo non-essential spending.
- Forgetting that missed payments put your home at risk.
Pitakonan sing kerep ditakokake
Apa bedane utangan home equity karo HELOC?
Utangan menehi siji jumlah kanthi suku bunga lan cicilan tetep. HELOC iku jalur kredit kanthi suku bunga ngambang sing dijupuk sithik-sithik.
Apa bungane bisa nyuda pajak?
Ing AS, mung ing kasus winates kayata ndandani omah. Takon penasihat pajak.
Piranti sing gegandhengan
Rincian
- Equity you could borrow
- £100,000.00
- Equity now
- £160,000.0040% saka Nilai
- Combined loan-to-value Sawise
- 85%
- Total bunga
- £74,625.26
- Total sing dibayar
- £174,625.26