Real estate calculator

如何使用Real estate calculator

它计算什么，何时使用

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

使用步骤

1. Enter the 首页 价格、首付 百分比, 利率、mortgage 期限.
2. Add 每年 property 税款、insurance、maintenance as percentages value.
3. Add buying costs、第 expected yearly price grow 次、how many years you plan 至 own.
4. Read the 每月 成本、cash needed 至 buy、the equity 以 the 结束.

各输入项的含义

• 首付 – 百分比 the 价格 有薪 up front.
• Property 税款 和 insurance – 每年 成本 as a 百分比 the home’s 数值.
• Maintenance – 每年 value 是 a common guide. 的 Allowance件repairs. 1%
• Buying costs – Fees, stamp duty 或 closing costs as a percentage the 价格.
• 价格 第 grow 次 – Your assumption件每年 appreciation.

如何阅读结果

• 每月 成本 owning – Mortgage plus 税款、insurance, maintenance、charges.
• Cash needed 至 买 – 首付 plus buying costs.
• Equity – Projected 首页 数值 minus mortgage 余额 after your holding 周期.

公式

Mortgage payment = P × r ÷ (1 − (1 + r)^−n). 每月 税款、insurance、maintenance = 数值 × 百分比 ÷ 12. 数值 after y 年数 = 价格 × (1 + growth)^y. Equity = 数值 − remaining mortgage 余额.

计算示例

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

假设与局限

• 第 Property values can fall. Grow 次 是 an assumption, not a forecast.
• Costs are held 以 their opening level、so 税款、insurance 操作 not rise.
• Selling costs 和 税款 on gains are excluded.

常见错误

• Comparing the mortgage payment alone with rent.
• 每年 value. 的 Skipping maintenance, which averages around 1%

常见问题

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