Yeyiphi ingeniso efunekayo kwi-400k yokubambisa? Ukuthenga i-$400,000 yendlu, ababoleki bafuna i-$ 55,600 yemali yokubeka i-10 yepesenti phantsi. Ngemali-mboleko yeminyaka engama-30, umvuzo wakho wenyanga kufuneka kuba ubuncinane $8200 kwaye iintlawulo zakho zenyanga kwityala elikhoyo kufuneka lingadluli kwi-981 yeedola. (Lo ngumzekelo oqikelelweyo.)
Hereof, Yeyiphi indlu endinokufikelela kuyo ngama-70k ngonyaka? Kufuneka uchithe malini kwi-mortgage? NgokukaBrown, kufuneka uchithe phakathi kwe-28% ukuya kwi-36% yomvuzo wakho wokuthatha ikhaya kwintlawulo yakho yendlu. Ukuba wenza i-$70,000 ngonyaka, umvuzo wakho wenyanga wokuya ekhaya, kubandakanywa nokutsalwa kwerhafu, kuya kuba malunga ne- $ 4,328.
Ufumana njani imvume yokubambisa nge500K? Umgaqo omhle wesithupha kukuba iindleko eziphezulu zendlu yakho kufuneka zibe hayi ngaphezulu kwe-2.5 ukuya ku-3 ukuphinda-phinda umvuzo wakho wonyaka uwonke. Oku kuthetha ukuba ukuba ubufuna ukuthenga ikhaya elingange-$500K okanye uzuze i-500K yokubambisa, umvuzo wakho ophantsi kufuneka uwe phakathi kwe-$165K kunye ne-$200K.
Ukongeza Ngaba ndingakwazi ukuthenga indlu engama-300k ngomvuzo wama-60k? Umgaqo oqhelekileyo wobhontsi kukuba unako ukuthenga a mortgage ezimbini ukuya 2.5 amaxesha umvuzo wakho wonyaka. Leyo yi-$120,000 ukuya kwi-150,000 yemali yokubambisa nge-$60,000. … Ababolekisi bafuna inqununu yakho, inzala, irhafu kunye ne-inshurensi – ebizwa ngokuba yi-PITI – ibe yipesenti ezingama-28 okanye ngaphantsi komvuzo wakho wenyanga uwonke.
Ndidinga malini ukuze ndifumane imali yokubambisa nge-750000? Ukuba wena okanye ikhaya lakho nenza phakathi kwe- $ 250,000- $ 300,000, ukwindawo emnandi yokuthatha i-750,000 yeedola zokubambisa. Oku kungenxa yokuba akufuneki uchithe ngaphezulu kwe-3X yomvuzo wakho wonyaka kwikhaya emva kokubeka i-20% phantsi. Lo ngumgaqo wam wama-30/30/3 wokuthenga ikhaya.
Ingakanani ingeniso oyidingayo kwi-mortgage yeedola ezingama-350?
Imali-mboleko eyi-$350k enenzala eyi-4.5% kwiminyaka engama-30 kunye ne-10k yentlawulo ephantsi iya kufuna umvuzo wonyaka. $86,331 ukuze ufanelekele ukubolekwa imali. Ungabala ukwahluka ngakumbi kwezi parameters kunye neSibali seMvuzo esiFunwayo se-Mortgage.
Ingakanani ingeniso oyifunayo ukuze uthenge indlu eyi-$800000? Kumakhaya akuluhlu lweedola ezingama-800,000, XNUMX, ekuluhlu oluphakathi oluphezulu kwiimarike ezininzi zezindlu, isibali seDollarTimes sicebisa abathengi ukuba bangenise $ 119,371 phambi kwerhafu, uthatha imali-mboleko yeminyaka engama-30 kunye ne-3.25% yenzala. Intlawulo ye-mortgage yenyanga iqikelelwa kwi-2,785 yeedola.
Ingakanani indlu endinokuyifumana kwi-80 yeedola ngonyaka? Ke, ukuba wenza i-000 yeedola ngonyaka, kufuneka ujonge amakhaya ixabiso phakathi $240,000 ukuba $320,000. Unokulunciphisa ngakumbi olu luhlu ngokufumana intlawulo yenyanga yokubambisa ekhululekileyo. Ukwenza oku, thatha umvuzo wakho wenyanga emva kwerhafu, uthabathe zonke iintlawulo zamatyala akhoyo kwaye uliphindaphinde elo nani ngama-25%.
Yeyiphi imali yokubambisa endinokuyifumana ngomvuzo wam?
Umgaqo jikelele kukuba unako ukuhlawula i-mortgage leyo 2x ukuya ku-2.5x umvuzo wakho uwonke. Iintlawulo zenyanga zizonke zenziwa ngamacandelo amane: inqununu, inzala, iirhafu, kunye ne-inshurensi (eyaziwa ngokuba yi-PITI).
Kwakhona Ingakanani imali-mboleko endinokuyifumana ngenqaku letyala elingama-650? Ngamanqaku etyala angama-650, izinga lenzala yemali-mboleko yakho linokuba malunga 3.805%, Okuya kukubiza malunga ne-$203,541 kwinzala kwimali-mboleko ye-$300,000, iminyaka engama-30. Ukuba unokonyusa amanqaku akho etyala ngamanqaku angama-30, uya kukwazi ukonga ngaphezulu kweedola ezingama-25,000.
Ingakanani indlu endinokuyifumana kumvuzo we-120k?
Ukuba wenza i-$50,000 ngonyaka, iindleko zakho zezindlu zonyaka zizonke kufuneka zingabi ngaphezu kwe-$14,000, okanye i-$1,167 ngenyanga. Ukuba wenza i-120,000 yeedola ngonyaka, ungaya ukuya kuthi ga kwi-33,600 yeedola ngonyaka, okanye i $ 2,800 ngenyanga — ukuba nje amanye amatyala akho akutyhaleli ngaphaya kwamanqaku angama-36 epesenti.
Kufuneka wenze malini ngonyaka ukuze uthenge indlu eyi-500000 yeedola? Umvuzo ofunekayo kwi-500k yokubambisa? + I-500k ye-mortgage enenzala eyi-4.5% kwiminyaka engama-30 kunye ne-10k yentlawulo ephantsi iya kufuna umvuzo wonyaka $121,582 ukuze ufanelekele ukubolekwa imali. Ungabala ukwahluka ngakumbi kwezi parameters kunye neSibali seMvuzo esiFunwayo se-Mortgage.
Yintoni ingeniso oyidingayo kwi-800000 yeedola zokubambisa?
Kumakhaya akuluhlu lweedola ezingama-800,000, XNUMX, ekuluhlu oluphakathi oluphezulu kwiimarike ezininzi zezindlu, isibali seDollarTimes sicebisa abathengi ukuba bangenise $ 119,371 phambi kwerhafu, uthatha imali-mboleko yeminyaka engama-30 kunye ne-3.25% yenzala. Intlawulo ye-mortgage yenyanga iqikelelwa kwi-2,785 yeedola.
Ngaba ndingathenga indlu eyenza i-40k ngonyaka?
Ngelixa abathengi basenokufuna ukuhlawula ityala, gcina imali kwaye bafanelekele ukubolekwa imali, eyona nto iphambili kukuba ukuthenga ikhaya. kumvuzo wodidi oluphakathi kusenokwenzeka - kwezinye iindawo. Apha ngezantsi, jonga izixeko ezili-15 apho unokuba ngumninikhaya ngelixa ufumana i-40,000 yeedola ngonyaka okanye ngaphantsi.
Ngaba ndingakwazi ukuthenga indlu ye-800k? Kumakhaya akuluhlu lweedola ezingama-800,000, XNUMX, ekuluhlu oluphakathi oluphezulu kwiimarike ezininzi zezindlu, isibali seDollarTimes sicebisa abathengi ukuba bangenise $ 119,371 phambi kwerhafu, uthatha imali-mboleko yeminyaka engama-30 kunye ne-3.25% yenzala. Intlawulo ye-mortgage yenyanga iqikelelwa kwi-2,785 yeedola.
Ngubani onokukwazi ukuthenga indlu eyi-750k? Sukuchitha ngaphezulu kwe-5-6 yomvuzo wakho wonyaka kwikhaya. Olu lubalo olulula oluthi uyaludinga ingeniso yonyaka $125,000 ukuba $150,000 ukufumana i-$ 750,000 yekhaya. Olu balo luthatha ukuba izinga lenzala yemali-mboleko yakho yi-4-5%.
Yimalini imali oyifunayo ukuze uthenge indlu eyi- $ 450000?
Ucinga ukuba eyona meko ibhetele-awunatyala, inqaku letyala elihle, i-$90,000 yokubeka phantsi kwaye uyakwazi ukufumana inzala ephantsi ye-3.12% - intlawulo yakho yenyanga ye-$ 450,000 yekhaya iya kuba yi-$ 1,903. Oko kuthetha ukuba umvuzo wakho wonyaka kuya kufuneka ube I-70,000 yeedola ngaphambili irhafu.
Ngowuphi umvuzo endiwudingayo kwi-500K yokubambisa? Umgaqo omhle webhontsi kukuba ixabiso eliphezulu lendlu yakho kufuneka lingabi ngaphezu kwe-2.5 ukuya kwi-3 i-500 yomvuzo wakho wonyaka. Oku kuthetha ukuba ukuba ubufuna ukuthenga ikhaya le-500K yeedola okanye ufanelekele ukubanjiswa nge-XNUMXK yeedola, umvuzo wakho omncinci kufuneka wehle. phakathi $ 165K kunye $ 200K.
Ndidinga ingeniso engakanani kwi-1.5 yezigidi zendlu?
Kuba $1.5M. Ekhaya, umthengi (abathengi) kuya kufuneka abe netyala elilungileyo, ukonga okanye i-asethi ye-300K yeedola, (emva kwamatyala) kwaye kuya kufuneka ukuba malunga $375K ngonyaka ingeniso eyonke.
Ndingayithenga njani indlu yesigidi seedola ngaphandle kwemali? Ukuthenga i-Real Estate ngaphandle kweMali Phantsi
- Boleka Imali. Mhlawumbi eyona ndlela ilula yokuthenga ipropati ngaphandle kwemali ephantsi kukuboleka intlawulo ephantsi. …
- Qikelela i-Mortgage ekhoyo. …
- Ukuqeshisa ngoKhetho lokuThenga. …
- Inkxaso-mali yomthengisi. …
- Thetha ngeNtlawulo ePhantsi. …
- Tshintsha iiPropati zoBuqu. …
- Tshintshiselana ngeZakhono Zakho. …
- Thatha uMlingane.
Yintoni intlawulo yenyanga kwi-1 yezigidi zeerandi zokubambisa?
Imali-mboleko yeminyaka engama-30, i-$1,000,000 eneendleko zenzala eyi-4%. malunga ne- $ 4,774 ngenyanga - kwaye ungagqiba ukuhlawula ngaphezulu kweedola ezingama-700,000 kwinzala kubomi bemali mboleko.
Ngaba ndingathenga indlu eyenza i-40 yeedola ngonyaka? Thatha umthengi wendlu owenza i-$ 40,000 ngonyaka. Ixabiso eliphezulu leentlawulo zenyanga ezinxulumene ne-mortgage kwi-28% yengeniso epheleleyo yi-$ 933. … Ngaphaya koko, umbolekisi uthi intlawulo yetyala lilonke ngenyanga nganye akufunekanga idlule kwi-36%, efika kwi-$1,200.
Yeyiphi imali-mboleko endinokuyifumana kwi-62k ngonyaka?
Umgaqo oqhelekileyo wobhontsi kukuba unako ukuthenga a mortgage ezimbini ukuya 2.5 amaxesha umvuzo wakho wonyaka. Leyo yi-$120,000 ukuya kwi-150,000 yemali yokubambisa nge-$60,000.