Kalkulator properti
Biaya saben sasi nduweni omah, dhuwit tunai sing dibutuhake kanggo tuku lan ekuitas sing bisa panjenengan kumpulake.
Babagan Kalkulator properti
Biaya saben sasi nduweni omah, dhuwit tunai sing dibutuhake kanggo tuku lan ekuitas sing bisa panjenengan kumpulake.
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Carane nganggo Kalkulator properti
Apa sing dietung lan kapan nganggo
Iki nuduhake biaya nyata saben sasi duwe omah kalebu KPR, pajak properti, asuransi, perawatan lan biaya layanan, sarta ekuitas sing bisa panjenengan bangun sajrone wektu nduweni.
Carane nganggo, langkah demi langkah
- Lebokna rega omah, persentase DP, suku bunga lan tenor KPR.
- Tambahna pajak properti, asuransi lan perawatan saben taun minangka persentase saka nilai.
- Tambahna biaya tuku, kenaikan rega saben taun sing dikarepake lan pirang taun panjenengan arep nduweni.
- Waca biaya saben sasi, dhuwit sing dibutuhake kanggo tuku lan ekuitas ing pungkasan.
Tegese saben input
- DP – Persentase the rega Dibayar up front.
- Property pajak lan insurance – Saben taun Modal as a persentase the home’s Nilai.
- Maintenance – Allowance for repairs. 1% of value a year is a common guide.
- Buying Biaya – Fees, stamp duty or closing costs as a percentage of the price.
- Rega Pangkat grow – Your assumption kanggo Saben taun appreciation.
Carane maca asile
- Saben sasi Modal owning – Mortgage plus pajak, insurance, maintenance lan charges.
- Cash Dibutuhake sing kudu dituku – DP plus buying Biaya.
- Equity – Projected home value minus mortgage balance after your holding period.
Rumus
Mortgage payment = P × r ÷ (1 − (1 + r)^−n). Monthly tax, insurance and maintenance = value × percentage ÷ 12. Value after y years = price × (1 + growth)^y. Equity = value − remaining mortgage balance.
Conto petungan
A 400,000 home with 20% down at 6.5% over 30 years costs about 2,677 a month all in, including 2,161 for the mortgage and 333 for upkeep. After 10 years at 3% growth it is worth about 537,567 and the mortgage balance is about 248,036, so equity is about 289,530.
Asumsi lan watesan
- Pangkat Property values can fall. Grow yaiku an assumption, not a forecast.
- Costs are held at their opening level, so tax and insurance do not rise.
- Selling Biaya lan pajak on gains are excluded.
Kesalahan umum
- Comparing the mortgage payment alone with rent.
- Skipping maintenance, which averages around 1% saka value saben taun.
Pitakonan sing kerep ditakokake
Apa iku ekuitas?
Bagean omah sing panjenengan duweni kanthi lunas: nilaine dikurangi KPR.
Kenapa perawatan dilebokake?
Sing duwe omah mbayar ndandani lan ngganti barang sing kanggo panyewa ditanggung sing duwe kontrakan.
Piranti sing gegandhengan
Rincian
- Cash Dibutuhake sing kudu dituku
- £88,000.00DP plus buying Biaya
- Mortgage Jumlah
- £320,000.00
- Beranda Nilai Sawise 10 taun
- £537,566.55
- Mortgage Saldo then
- £248,036.35
- Equity then
- £289,530.20
- Bunga Dibayar ing that Wektu
- £187,315.90