Lamulo labwino la chala chachikulu ndikuti ngongole yanu yonse iyenera kukhala zosaposa 28% ya ndalama zomwe mumapeza musanakhome msonkho pamwezi. Mutha kupeza izi pochulukitsa ndalama zanu ndi 28, ndikugawa ndi 100.
Apa, ndi malipiro anji omwe muyenera kugula nyumba ya 400k? Kodi ndi ndalama ziti zomwe zimafunika pakubwereketsa 400k? Kuti apeze nyumba ya $400,000, obwereka amafunika ndalama zokwana $55,600 kuti achepetse 10 peresenti. Ndi ngongole yazaka 30, ndalama zomwe mumapeza pamwezi ziyenera kukhala osachepera $8200 ndipo malipiro anu pamwezi pa ngongole yomwe ilipo sayenera kupitirira $981. (Ichi ndi chitsanzo choyerekeza.)
Kodi mungapange ndalama zingati pachaka kuti mupeze nyumba ya $ 500000? Kodi ndingapange ndalama zingati kuti ndipeze nyumba ya $500,000? Mwachizoloŵezi, malipiro anu a ngongole asapitirire gawo limodzi mwa magawo atatu a ndalama zomwe mumapeza pamwezi. Chifukwa chake ndi kubweza 20% pangongole yazaka 30 ndi chiwongola dzanja cha 4%, muyenera kupanga osachepera $90,000 pachaka m'mbuyomo msonkho.
Kuwonjeza Kodi ndingapereke ndalama zingati zanyumba 40k? Komabe, kuchuluka kwa ndalama zomwe mungakwanitse kumadalira ngongole yanu, kulipira pang'ono ndi ndalama zina monga misonkho ndi inshuwaransi.
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3. Lamulo la 36%.
Ndalama Zambiri | 28% ya Ndalama Zonse Zapamwezi | 36% ya Ndalama Zonse Zapamwezi |
---|---|---|
$40,000 | $933 | $1,200 |
$50,000 | $1,167 | $1,500 |
$60,000 | $1,400 | $1,800 |
$80,000 | $1,867 | $2,400 |
• Oct 28, 2021
Kodi ndingapereke ngongole yanji pamalipiro a 80k? Lamulo lamtengo wapatali pakuzindikira kuchuluka kwa nyumba yomwe mungakwanitse ndi yanu Kulipira kwanyumba pamwezi sikuyenera kupitilira 28% ya ndalama zomwe mumapeza pamwezi (ndalama zanu msonkho usanatulutsidwe). Mwachitsanzo, ngati inu ndi mwamuna kapena mkazi wanu mumapeza ndalama zokwana $80,000 pachaka, malipiro anu a ngongole sayenera kupitirira $1,866.
Kodi ndingagule nyumba yochuluka bwanji ngati ndimapanga 36 pachaka?
Ngati mumapanga $36,000 pachaka, mudzatha kugula nyumbayo mtengo pakati pa $144,000 ndi $195,000. Ndalama zenizeni zomwe mungakwanitse zimadalira ngongole zanu, ngongole zanu, malo, malipiro ochepera, ndi zina.
Kodi ndingakwanitse bwanji kulipira 70k nyumba? Kodi muyenera kuwononga ndalama zingati kubweza ngongole? Malinga ndi Brown, muyenera kugwiritsa ntchito pakati pa 28% mpaka 36% yazopeza zanu kunyumba pa malipiro anu nyumba. Ngati mupanga $ 70,000 pachaka, malipiro anu apamwezi opita kunyumba, kuphatikizapo kuchotsera msonkho, amakhala pafupifupi $ 4,328.
Kodi ndingapereke ngongole yanji pamalipiro a 60k? Lamulo lodziwika bwino ndikuti mutha kubweza ngongole kawiri mpaka 2.5 ndalama zomwe mumapeza pachaka. Ndizo ngongole za $ 120,000 mpaka $ 150,000 pa $ 60,000.
Kodi ndingagule nyumba yanji ndi malipiro a 70k?
Kodi ndingagule nyumba yochuluka bwanji pa $70K pachaka?
malipiro | $ 70,000 / chaka | $ 70,000 / chaka |
---|---|---|
Malipiro oyambira | $15,000 | $40,000 |
Ngongole Zapamwezi Panopa | $250 | $250 |
Mtengo wa Mortgage | 3.0% | 3.0% |
Bajeti Yogulira Nyumba | $349,200 | $409,200 |
Dis 3, 2021
Komanso Kodi ndingakwanitse bwanji kulipira 50k nyumba? Munthu amene amapeza ndalama zokwana madola 50,000 pachaka akhoza kugula nyumba yamtengo wapatali kulikonse kuchokera $ 180,000 mpaka pafupifupi $ 300,000. Izi ndichifukwa choti malipiro sindiwo okhawo omwe amasankha bajeti yogulira nyumba. Muyeneranso kulingalira kuchuluka kwanu kwa ngongole, ngongole zomwe muli nazo, mitengo yanyumba, ndi zina zambiri.
Kodi ndingakwanitse bwanji nyumba ngati ndimapanga 60000 pachaka?
Lamulo lanthawi zonse ndikuti mutha kugula ngongole yanyumba kawiri mpaka 2.5 ndalama zomwe mumapeza pachaka. Ndizo ngongole za $ 120,000 mpaka $ 150,000 pa $ 60,000.
Kodi ndingapeze ngongole yanyumba pa 20k pachaka? Kuyenerera kubwereketsa ngongole mukamapanga $20,000 pachaka kapena $30,000 pachaka ndizotheka. Ngakhale kuti ndalama zomwe mumapeza zimagwira ntchito pa chisankho chomaliza cha wobwereketsa nyumba, sizinthu zokhazo zomwe wobwereketsa amayang'ana.
Kodi ndingakwanitse bwanji nyumba ya 300k?
Kubweza: Muyenera kukhala ndi malipiro ofanana ndi 20% ya mtengo wanyumba yanu. Izi zikutanthauza kuti kugula nyumba $300,000, mungafunike $60,000. Ndalama zotsekera: Nthawi zambiri, mumalipira pafupifupi 3% mpaka 5% ya mtengo wanyumba pakutseka ndalama. Panyumba ya $300,000, mungafunike $9,000 mpaka $15,000.
Kodi ndiyenera kuyika ndalama zingati panyumba ya $350?
A 10% patsiku tili ndi $350,000 kunyumba kungakhale $35,000. Mukapempha chiwongola dzanja chogulira nyumba, chiwongola dzanja chanu ndi chopereka chanu pogula ndipo chimayimira gawo lanu loyamba la umwini mnyumbamo. Wobwereketsa amapereka ndalama zotsalazo kuti agule malowo.
Kodi ndingagule nyumba yokhala ndi ngongole za 716? Kodi ndingapeze ngongole yanyumba yokhala ndi ngongole za 716? Tiyi Ngongole yocheperako ndi pafupifupi 620 kwa obwereketsa wamba, kotero muyenera kukhala oyenerera.
Kodi muyenera kupanga ndalama zingati kuti mupeze nyumba ya $300000? Izi zikutanthauza kuti kuti mupeze nyumba ya $300,000, mungafunike $60,000.
Kodi ndifunika ndalama zingati kuti ndigule nyumba ya $300 K?
Kodi ndi ndalama ziti zomwe zimafunika pakubwereketsa 300k? + Ngongole yobwereketsa ya $300k yokhala ndi chiwongola dzanja cha 4.5% pazaka 30 ndipo kubweza $10k kudzafunika ndalama zapachaka za $ 74,581 kuti muyenerere ngongole.
Kodi mumapeza ndalama zingati kuti mugule nyumba ya $800000? Kwa nyumba zomwe zili mgulu la $800,000, lomwe lili pamtunda wapakati pamisika yambiri yanyumba, chowerengera cha DollarTimes chimalimbikitsa ogula kuti abweretse. $119,371 msonkho usanachitike, kutenga ngongole ya zaka 30 ndi chiwongoladzanja cha 3.25%. Kulipira kwanyumba pamwezi kukuyerekeza $2,785.
Kodi ndingakwanitse nyumba ya 300k?
Kubweza: Muyenera kukhala ndi malipiro ofanana ndi 20% ya mtengo wanyumba yanu. Izi zikutanthauza kuti kugula nyumba $300,000, mungafunike $60,000. Ndalama zotsekera: Nthawi zambiri, mumalipira pafupifupi 3% mpaka 5% ya mtengo wanyumba pakutseka ndalama. Panyumba ya $300,000, mungafunike $9,000 mpaka $15,000.
Kodi 50k pachaka pakati? Owerengera amati anthu apakatikati ndi ndalama zapakhomo pakati pa $25,000 ndi $100,000 pachaka. Chilichonse choposa $100,000 chimaonedwa kuti ndi "gulu lapakati".
Ndikufuna ndalama zingati pangongole yanyumba ya 300k?
Ndikufunika Ndalama Zingati Ngongole 300k? Muyenera kupanga $ 92,287 pachaka kukwanitsa ngongole yanyumba 300k. Timakhazikitsa ndalama zomwe mumafunikira pakangobweza 300k pakulipira komwe kuli 24% yazomwe mumapeza pamwezi. Kwa inu, ndalama zomwe mumapeza pamwezi ziyenera kukhala pafupifupi $ 7,691.
Kodi ndingapereke ngongole yanji pamalipiro a 75k? Ndimapanga $75,000 pachaka. Kodi ndingakwanitse bwanji nyumba? Mutha kukwanitsa ali ndi $255,000 nyumba.
Kodi ndiyenera kupanga zochuluka motani kuti ndigule nyumba 300k?
Izi zikutanthauza kuti kugula nyumba $300,000, mungafunike $60,000.
Kodi ndingagule nyumba zingati ndikapanga 70000? Kodi muyenera kuwononga ndalama zingati kubweza ngongole? Malinga ndi Brown, muyenera kugwiritsa ntchito pakati pa 28% mpaka 36% yazopeza zanu kunyumba pa malipiro anu nyumba. Ngati mupanga $ 70,000 pachaka, malipiro anu apamwezi opita kunyumba, kuphatikizapo kuchotsera msonkho, amakhala pafupifupi $ 4,328.
Kodi ndingagule nyumba yokhala ndi ndalama zokwana 25k?
HUD, mabungwe osapindula, ndi obwereketsa azinsinsi atha kupereka njira zowonjezera zopezera nyumba kwa anthu omwe amapeza ndalama zosakwana $25,000 pachaka ndi chithandizo cholipirira, zosankha zobwereketsa, komanso njira zobwereketsa za eni ake.
Kodi ndingagule nyumba yokhala ndi 30k pansi?
Ngongole yanu yayikulu ingakhale 95% yamtengo wogula, ndiye mutagwiritsa ntchito ndalama zanu zonse pakubweza, mutha kugula $600,000. Ndi malipiro ochepa a $30,000, mungakhale ndi ngongole $570,000. Mitengo yamangongole apamwamba akadali otsika kwambiri (pansi pa 4%), koma yembekezerani kubweza ndalama zochotsera.
Kodi 100k ikukwana kugula nyumba? $100,000 ikhoza kukulowetsani nyumba yamtengo wapatali pafupifupi $ 1 miliyoni ngati muli ndi ndalama zokwanira kuti muyenerere. Ngongole yomwe ndafotokoza pamwambapa ndi ngongole "yosafanana". Izi zikutanthauza kuti Fannie Mae kapena Freddie Mac sangagule chifukwa cha kukula kwake.