Kikokotoo cha HELOC
Kikomo cha mkopo kinachopatikana kwenye nyumba yako, malipo ya riba pekee wakati wa kutoa pesa na marejesho baadaye.
Kuhusu Kikokotoo cha HELOC
Kikomo cha mkopo kinachopatikana kwenye nyumba yako, malipo ya riba pekee wakati wa kutoa pesa na marejesho baadaye.
Sehemu ya kitengo cha “Mikopo ya nyumba na mali isiyohamishika” cha SmartCalcy. Kinaendeshwa kwenye kivinjari chako bila akaunti, kinatumia sarafu na vipimo vyako (vibadilishe juu ya ukurasa), na kinatoa makadirio kwa taarifa tu, kwa hiyo angalia mwongozo rasmi kabla ya kutegemea matokeo.
Jinsi ya kutumia Kikokotoo cha HELOC
Kinachohesabu na wakati wa kukitumia
Kadiria mstari wa mkopo ambao HELOC inaweza kukupa, malipo ya riba pekee wakati unachota, na marejesho baada ya kipindi cha kuchota kuisha.
Jinsi ya kukitumia, hatua kwa hatua
- Weka thamani ya nyumba, salio la mkopo wa nyumba na kikomo cha uwiano wa mikopo kwa thamani.
- Weka kiwango cha riba na vipindi vya kuchota na vya kurejesha.
- Weka kiasi unachopanga kuchota, au acha wazi ili kutumia mstari mzima.
Maana ya kila ingizo
- Draw Kipindi – The years during which you can borrow and pay interest only.
- Repayment Kipindi – The Miaka over which the Salio ni repaid afterwards.
- Kiwango cha riba – HELOC rates are variable. This estimate holds the rate fixed.
Jinsi ya kusoma matokeo
- Interest-only payment – Balance × monthly rate during the draw period.
- Payment Baada the draw Kipindi – A repayment calculated over the repayment term.
- Jumla ya riba – Riba Kwa upana both periods.
Fomula
Line = value × limit − mortgage. Draw payment = balance × rate ÷ 12. Repayment = balance × r ÷ (1 − (1 + r)^−n) over the repayment months.
Mfano uliofanyiwa kazi
On a 400,000 home with a 240,000 mortgage and an 85% limit, the line is 100,000. At 8.5% the interest-only payment is 708.33 a month, then repayment over 20 years is 867.82 a month. Interest over the whole term is about 193,278.
Dhana na mipaka
- The full line is drawn on day one and the rate never changes.
- Annual fees na Kiwango cha chini draws are excluded.
Makosa ya kawaida
- Underestimating how much the payment rises after the draw period.
- Treating a variable kiwango as fixed.
Maswali yanayoulizwa mara kwa mara
Je, mstari wa mkopo ni sawa na kiasi ninachopaswa kukopa?
Hapana. Kopa tu unachohitaji, kwa kuwa nyumba ndiyo dhamana ya deni.
Zana zinazohusiana
Maelezo
- Credit line available
- £100,000.00
- Kiasi used huko this estimate
- £100,000.00
- Payment huko the repayment Kipindi
- £867.82
- Riba over the whole Muda
- £193,277.58
- Jumla iliyorejeshwa
- £293,277.58