Kikokotoo cha uwezo wa kununua nyumba
Kadiria bei ya nyumba unayoweza kumudu kutokana na kipato, madeni, malipo ya awali na uwiano wa kawaida wa wakopeshaji.
Kuhusu Kikokotoo cha uwezo wa kununua nyumba
Kadiria bei ya nyumba unayoweza kumudu kutokana na kipato, madeni, malipo ya awali na uwiano wa kawaida wa wakopeshaji.
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 uwezo wa kununua nyumba
Kinachohesabu na wakati wa kukitumia
Hiki kinakadiria bei ya nyumba unayoweza kumudu, kwa kukokotoa kurudi nyuma kutoka kwa mapato yako, madeni uliyonayo, malipo ya awali na sehemu ya mapato ambayo wakopeshaji kwa kawaida huruhusu kwa makazi.
Jinsi ya kukitumia, hatua kwa hatua
- Weka mapato ya kaya kabla ya kodi na malipo yako ya kawaida ya madeni ya kila mwezi.
- Ongeza malipo yako ya awali, kiwango cha riba unachotarajia na muda wa mkopo.
- Weka kodi ya mali, bima na ada yoyote ya huduma ya kila mwezi.
- Acha vikomo kwenye 28% na 36%, au vibadilishe vilingane na mkopeshaji wako.
Maana ya kila ingizo
- Household income – Gross income kwa mwaka.
- Kila mwezi debts – Payments on cards, loans na cars, but not rent.
- Malipo ya awali – Cash you will put down.
- Property kodi na insurance – Kila mwaka Gharama as a asilimia ya the bei.
- Housing limit – The maximum share ya gross income kwa housing. 28% ni the traditional guide.
- Zote debts limit – The maximum share of income for housing plus all other debts. 36% is traditional.
Jinsi ya kusoma matokeo
- Bei you could afford – Home price at which the monthly cost reaches the lower of the two limits.
- Kila mwezi housing Gharama – The bajeti available, na which limit set it.
- Mortgage, kodi na insurance – How that bajeti ni divided.
Fomula
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.
Mfano uliofanyiwa kazi
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.
Dhana na mipaka
- Lenders also consider credit Historia, savings, job stability na stress-test your payments at higher rates.
- The 28/36 rule is a guide, and lenders in your country may use income multiples instead.
- Kodi na insurance are simple percentages ya bei.
Makosa ya kawaida
- Treating the result as a lending offer.
- Leaving out upkeep, utilities na moving Gharama.
- Forgetting that a variable rate could raise the payment.
Maswali yanayoulizwa mara kwa mara
Kwa nini matokeo ni chini kuliko kizidisho cha mapato cha mkopeshaji wangu?
Wakopeshaji wanaotumia kizidisho cha mapato, kama mara 4.5 ya mshahara, wanaweza kukopesha zaidi ya kile kanuni ya 28% inapendekeza. Unachoweza kumudu na kinachopatikana ni vitu tofauti.
Nitumie mapato ghafi au halisi?
Kanuni ya 28/36 hutumia mapato ghafi. Hakikisha pia malipo yanaendana na mshahara unaopokea mkononi.
Zana zinazohusiana
Maelezo
- Kila mwezi housing Gharama
- £1,866.67limited by the 28% housing limit
- Mortgage payment
- £1,730.84
- Property kodi
- £49.39
- Insurance
- £86.43
- Income kwa mwezi
- £6,666.67