Calculator ng FHA loan
Buwanang hulog sa US FHA mortgage kasama ang upfront at taunang mortgage insurance premium.
Tungkol sa Calculator ng FHA loan
Buwanang hulog sa US FHA mortgage kasama ang upfront at taunang mortgage insurance premium.
Bahagi ng seksyong “Mortgage at real estate” ng SmartCalcy. Tumatakbo ito sa browser mo nang walang account, gumagamit ng sarili mong currency at units (palitan ang mga ito sa itaas ng page), at nagbibigay ng tantiya para sa impormasyon lamang, kaya tingnan ang opisyal na gabay bago umasa sa resulta.
Paano gamitin ang Calculator ng FHA loan
Ano ang kinukuwenta nito at kailan ito gagamitin
Tantyahin ang buwanang hulog sa isang US FHA mortgage, kasama ang upfront at taunang mortgage insurance premium na nagpapaiba sa FHA mula sa conventional loan.
Paano ito gamitin, hakbang-hakbang
- Ilagay ang presyo at porsyento ng down payment mo.
- Ilagay ang interest rate at termino ng loan.
- Tingnan ang mga insurance premium, property tax at home insurance.
- Basahin ang kabuuang hulog at ang mga bahagi nito.
Ano ang ibig sabihin ng bawat input
- Down payment – FHA allows 3.5% with a 580+ credit score, or 10% from 500 to 579.
- Upfront premium – Usually 1.75% ng the loan at normally added hanggang it.
- Annual premium – Charged monthly. The rate depends on loan size, term and down payment, so confirm it with your lender.
Paano basahin ang mga resulta
- Buwanang hulog – Principal at interest, mortgage insurance, tax at insurance.
- Halaga ng loan – The price minus the down payment, plus the upfront premium.
Ang formula
Loan = price × (1 − down payment) × (1 + upfront premium). Principal and interest = Loan × r ÷ (1 − (1 + r)^−n). Monthly MIP = base loan × annual rate ÷ 12.
Isang halimbawa
A 350,000 home with 3.5% down is a 337,750 base loan. With a 1.75% upfront premium the loan is 343,661. At 6.5% over 30 years, principal and interest is 2,172.17; with 154.80 of MIP plus tax and insurance the total is about 2,749.89 a month.
Mga palagay at limitasyon
- FHA premiums, loan limits and rules are set by HUD and change. Treat the defaults as editable and check current values.
- MIP is calculated on the base loan, a simplification of HUD’s method.
Karaniwang pagkakamali
- Ignoring that MIP can last for the life of the loan with under 10% down.
- Forgetting loan limits that vary by county.
Mga madalas itanong
Kailan ko maaalis ang FHA mortgage insurance?
Kung 10% o higit pa ang down payment, karaniwang natatapos ito pagkatapos ng 11 taon. Kung mas mababa, karaniwang tumatagal ito sa buong buhay ng loan, kaya maraming borrower ang nagre-refinance kalaunan.
Mas mura ba ang FHA kaysa conventional?
Depende ito sa credit score at down payment mo. Ikumpara ang dalawa.
Kaugnay na tools
Detalye
- Principal at Interes
- £2,172.17
- Annual MIP, Buwanan
- £154.80
- Property tax
- £320.83
- Home insurance
- £102.08
- Down payment
- £12,250.00
- Kabuuang interes
- £438,320.19