Real estate calculator

Como usar a Real estate calculator

O que calcula e quando usar

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

Como usar, passo a passo

1. Enter the Início Preço, Entrada Porcentagem, Taxa e mortgage Prazo.
2. Add Anual property Imposto, insurance e maintenance as percentages de value.
3. Add buying costs, expected yearly price grow.ª e how many years you plan a own.
4. Read the Mensal Custo, cash needed a buy e the equity A the Fim.

O que significa cada campo

• Entrada – Porcentagem de the Preço Pagas up front.
• Property Imposto e insurance – Anual Custo as a Porcentagem de the home’s Valor.
• Maintenance – Allowance por repairs. 1% de value por ano é a common guide.
• Buying costs – Fees, stamp duty ou closing costs as a percentage de the Preço.
• Preço grow.ª – Your assumption por Anual appreciation.

Como ler os resultados

• Mensal Custo de owning – Mortgage plus Imposto, insurance, maintenance e charges.
• Cash needed a Compre – Entrada plus buying costs.
• Equity – Projected Início Valor minus mortgage Saldo depois your holding Período.

A fórmula

Mortgage payment = P × r ÷ (1 − (1 + r)^−n). Mensal Imposto, insurance e maintenance = Valor × Porcentagem ÷ 12. Valor depois y Anos = Preço × (1 + growth)^y. Equity = Valor − remaining mortgage Saldo.

Um exemplo prático

A 400,000 home with 20% down at 6.5% over 30 years costs about 2,677 a month all pol., including 2,161 por the mortgage e 333 por upkeep. After 10 years at 3% growth it é worth about 537,567 e the mortgage balance é about 248,036, so equity is about 289,530.

Premissas e limites

• Property values can fall. Grow.ª é an assumption, not a forecast.
• Costs are held A their opening level, so Imposto e insurance do not rise.
• Selling costs e Imposto on gains are excluded.

Erros comuns

• Comparing the mortgage payment alone with rent.
• Skipping maintenance, which averages around 1% de value por ano.

Perguntas frequentes

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