Kalkulator kemampuan tuku omah
Kira-kira rega omah sing bisa panjenengan tuku saka penghasilan, utang, DP lan rasio umum saka bank.
Babagan Kalkulator kemampuan tuku omah
Kira-kira rega omah sing bisa panjenengan tuku saka penghasilan, utang, DP lan rasio umum saka bank.
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 kemampuan tuku omah
Apa sing dietung lan kapan nganggo
Iki ngira-ira rega omah sing bisa panjenengan tuku, diitung mundur saka pangasilan, utang sing ana, DP lan bagean pangasilan sing biasane diidini bank kanggo omah.
Carane nganggo, langkah demi langkah
- Lebokna pangasilan rumah tangga sadurunge pajak lan cicilan utang rutin saben sasi.
- Tambahna DP, suku bunga sing dikarepake lan tenor utangan.
- Atur pajak properti, asuransi lan biaya layanan saben sasi yen ana.
- Tinggal watese ing 28% lan 36%, utawa ganti supaya cocog karo bank panjenengan.
Tegese saben input
- Household income – Gross income saben taun.
- Saben sasi debts – Payments on cards, loans lan cars, but not rent.
- DP – Cash you will put down.
- Property pajak lan insurance – Saben taun Biaya as a persentase the rega.
- Housing limit – The maximum share gross income kanggo housing. 28% yaiku the traditional guide.
- Kabeh debts limit – The maximum share of income for housing plus all other debts. 36% is traditional.
Carane maca asile
- Rega you could afford – Home price at which the monthly cost reaches the lower of the two limits.
- Saben sasi housing Modal – The anggaran available, lan which limit set it.
- Mortgage, pajak lan insurance – How that anggaran yaiku divided.
Rumus
Housing budget = the lower of (income ÷ 12 × housing limit) and (income ÷ 12 × all-debts limit − monthly debts). Price = (budget − charges + deposit × f) ÷ (f + t), where f is the mortgage payment per unit borrowed and t is monthly tax and insurance as a share of price.
Conto petungan
Income of 80,000, debts of 300 a month and a 40,000 deposit at 6.5% over 25 years. The 28% limit gives 1,866.67 a month, below the all-debts limit, so the estimate is about 296,343 with a 256,343 mortgage.
Asumsi lan watesan
- Lenders also consider credit Sejarah, savings, job stability lan stress-test your payments at higher rates.
- The 28/36 rule is a guide, and lenders in your country may use income multiples instead.
- Pajak lan insurance are simple percentages rega.
Kesalahan umum
- Treating the result as a lending offer.
- Leaving out upkeep, utilities lan moving Biaya.
- Forgetting that a variable rate could raise the payment.
Pitakonan sing kerep ditakokake
Kenapa asile luwih asor tinimbang kelipatan pangasilan saka bankku?
Bank sing nganggo kelipatan pangasilan, kayata 4,5 kali gaji, bisa menehi utangan luwih akeh tinimbang aturan 28%. Kuwat mbayar lan kasedhiya iku rong prekara sing beda.
Aku kudu nganggo pangasilan bruto utawa neto?
Aturan 28/36 nganggo pangasilan bruto. Priksa uga yen cicilane cocog karo gaji bersih panjenengan.
Piranti sing gegandhengan
Rincian
- Saben sasi housing Modal
- £1,866.67limited by the 28% housing limit
- Mortgage payment
- £1,730.84
- Property pajak
- £49.39
- Insurance
- £86.43
- Income saben sasi
- £6,666.67