YiMvuzo engakanani endiyidingayo kwi-700k ye-Mortgage? Kufuneka wenze $ 215,337 ngonyaka ukuhlawula imali-mboleko ye-700k.
Ngokufanayo, yeyiphi imali-mboleko endinokuthi ndiyihlawule ngomvuzo we-100k? Omnye umgaqo omawuwulandele xa umisela ukuba lingakanani na ikhaya onokuthi ulihlawule kukuba lakho intlawulo yenyanga yokubambisa mayingadluli kwi-28% yomvuzo wakho wenyanga. Umzekelo, ukuba wenza i-$ 100,000 ngonyaka, intlawulo yakho yenyanga yemali yokubambisa kufuneka ingadluli i-$ 2,333.
Yintoni ejongwa njengomvuzo otyebileyo? Nge a $ 500,000 + umvuzoYehova, ugqalwa njengesityebi, naphi na apho uhlala khona! Ngokwe-IRS, naliphi na ikhaya elenza ngaphezulu kwe-500,000 yeedola ngonyaka ngo-2022 lithathwa njengelona lifumana umvuzo omninzi ngepesenti enye. Ewe kunjalo, ezinye iindawo zelizwe zifuna umgangatho womvuzo ophezulu ukuba ube phezulu kwingeniso eyi-1%, umzekelo, iConnecticut kwi-1 yeedola.
Ingakanani imali yokubambisa endinokuthi ndiyihlawule kumvuzo wama-200k? Ukubambisa nge-200k yomvuzo, usebenzisa umthetho we-2.5, kuthetha ukuba ungafikelela $500,000 ($200,00 x 2.5). Ngezinga lenzala ye-4.5 ekhulwini kunye nexesha leminyaka engama-30, intlawulo yakho yenyanga iya kuba yi-$ 2533 kwaye uya kuhlawula i-$ 912,034 ebomini bokuthenga imali ngenxa yenzala.
Okwesibini kufuneka ndenze malini ukuze ndikwazi ukuthenga indlu engama-450k? Kufuneka wenze $ 138,431 ngonyaka ukuhlawula imali-mboleko ye-450k. Sisekela ingeniso oyidingayo kwi-450k yokubambisa kwintlawulo eyi-24% yomvuzo wakho wenyanga. Kwimeko yakho, umvuzo wakho wenyanga kufuneka ube malunga ne-11,536 yeedola. Intlawulo yenyanga kwi-mortgage ye-450k yi-$ 2,769.
Yeyiphi imali-mboleko endinokuyifumana kumvuzo wama-80k?
Umgaqo wegolide ekumiseleni ukuba yimalini na ikhaya onokulihlawula kukuba intlawulo yakho yenyanga yokubambisa akufunekanga igqithe kwi-28% yomvuzo wakho wenyanga uwonke (umvuzo wakho phambi kokuba kukhutshwe iirhafu). Umzekelo, ukuba wena neqabane lakho ninomvuzo wonyaka odityanisiweyo we-80,000 yeedola, intlawulo yakho yemali-mboleko akufanele idlule kwi-1,866 yeedola.
emva koko leliphi i-mortgage endinokuyifumana kumvuzo we-50k? Umntu owenza i-$50,000 ngonyaka usenokukwazi ukuthenga indlu exabisa naphi na ukusuka $ 180,000 phantse $ 300,000. Kungenxa yokuba umvuzo ayisiyiyo kuphela umahluko emisela ukuba uhlahlo-lwabiwo mali lokuthenga ikhaya. Kuya kufuneka ujonge amanqaku akho etyala, amatyala akhoyo ngoku, amaxabiso obambiso, kunye nezinye izinto ezininzi.
Ingakanani indlu endinokuyihlawula umvuzo wama-70k? Kufuneka uchithe malini kwi-mortgage? NgokukaBrown, kufuneka uchithe phakathi kwama-28% ukuya kuma-36% omvuzo wakho wokugoduka kwintlawulo yakho yezindlu. Ukuba wenza i-70,000 yeedola ngonyaka, imali oyibhatalayo ekhaya, kubandakanya nokutsalwa kwirhafu, iya kuba malunga ne-4,328, XNUMX yeedola.
Ngowuphi umvuzo olungileyo kumntu omnye?
Kuxhomekeka kwindawo ohlala kuyo eUnited States, imali efunekayo ukuze uphile tofotofo inokwahluka kakhulu. Ngelixa unokudlula njengomntu ongatshatanga kumvuzo wonyaka wee- $ 22,000 eKentucky okanye e-Arkansas, uya kuyidinga ubuncinane $30,000 kwi eHawaii okanye eMaryland.
Yintoni inetha elungileyo ngokweminyaka? I-avareji inet ixabiso kwiintsapho US $748,800. I-median - umlinganiselo omele ngakumbi - yi-$ 121,700.
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Umndilili wexabiso ngokweminyaka.
Ubudala bentloko yosapho | Median inet value | Umndilili wexabiso |
---|---|---|
35-44 | $91,300 | $436,200 |
45-54 | $168,600 | $833,200 |
55-64 | $212,500 | $1,175,900 |
65-74 | $266,400 | $1,217,700 |
Ngowuphi umvuzo ojongwa njengehlwempu?
Kukho iinguqulelo ezimbini ezahlukileyo kancinane zomlinganiselo wentlupheko womanyano: Imida yentlupheko, kunye. Izikhokelo zentlupheko.
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2021 IZIKHOKELO ZOBUHLWEMPU KWI-48 CONTIGOS STATES KUNYE NESITHILI SASE-COLUMBIA.
Abantu kusapho / ekhaya | Isikhokelo sendlala |
---|---|
1 | $12,880 |
2 | $17,420 |
3 | $21,960 |
4 | $26,500 |
Ngaba ndingafikelela kwi-800k yendlu? Kumakhaya akuluhlu lweedola ezingama-800,000, 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.
Yeyiphi imali-mboleko endinokuyifumana kumvuzo wama-70k?
Ke ukuba ufumana i-70,000 yeedola ngonyaka, kuya kufuneka ukwazi ukuchitha ubuncinane $1,692 ngenyanga - kwaye ukuya kuthi ga kwi-2,391 yeedola ngenyanga - ngendlela yerenti okanye intlawulo ye-mortgage.
Ngaba ndingafikelela kwi-650000 yendlu?
YiMvuzo engakanani endiyidingayo kwi-650k ye-Mortgage? Kufuneka wenze $ 199,956 ngonyaka ukuhlawula imali-mboleko ye-650k. … Kwimeko yakho, umvuzo wakho wenyanga kufuneka ube malunga ne-16,663 yeedola. Intlawulo yenyanga kwi-mortgage ye-650k yi-$ 3,999.
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.
Ingakanani indlu endinokuyihlawula umvuzo wama-50k? Umntu owenza i-$50,000 ngonyaka usenokukwazi ukuthenga indlu exabisa naphi na ukusuka $ 180,000 phantse $ 300,000. Kungenxa yokuba umvuzo ayisiyiyo kuphela umahluko emisela ukuba uhlahlo-lwabiwo mali lokuthenga ikhaya. Kuya kufuneka ujonge amanqaku akho etyala, amatyala akhoyo ngoku, amaxabiso obambiso, kunye nezinye izinto ezininzi.
Uthini umyinge wentlawulo yemali-mboleko kwindlu ye-400k?
Iintlawulo zenyanga ze-400,000 ye-mortgage
Kwimali-mboleko ye-$400,000 enepesenti yepesenti (APR) yesi-3%, intlawulo yakho yenyanga I-$ 1,686 yemali-mboleko yeminyaka engama-30 kunye ne-2,762 yeedola ngonyaka we-15.
Ngowuphi umvuzo endiwudingayo ukuze ndikwazi ukuthenga indlu engama-350k? Kufuneka wenze $ 107,668 ngonyaka ukuhlawula imali-mboleko ye-350k. Sisekela ingeniso oyidingayo kwi-350k yokubambisa kwintlawulo eyi-24% yomvuzo wakho wenyanga. Kwimeko yakho, umvuzo wakho wenyanga kufuneka ube malunga ne-8,972 yeedola. Intlawulo yenyanga kwi-mortgage ye-350k yi-$ 2,153.
Yeyiphi indlu endinokuyithenga ngomvuzo wama-90k?
Ndenza i-$90,000 ngonyaka. Ingakanani indlu endinokuyithenga? Unakho ukufikelela ine $306,000 indlu.
Ngaba i-78000 ngumvuzo olungileyo? Inqanaba lengeniso yonyaka abantu baseMelika bathi kuthatha ukuba ube ngophakathi. … Ukuba akutshatanga, umvuzo walapha $26,000 ukuba $78,000 ukufanelekela ukuba ube nomvuzo ophakathi. Uphando luka-2017 oluvela kuCharles Schwab lufumene ukuba abantu baseMelika nabo banomlinganiselo ophezulu wento eyenza umntu abe sisityebi.
Ingakanani indlu endinokuyifumana kumvuzo we-40k?
Nangona kunjalo, ukuba yimalini onokufikelela kuyo ixhomekeke kwityala lakho, intlawulo ephantsi kunye nezinye iindleko ezinjengeerhafu kunye ne-inshurensi.
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3. Umthetho we-36%.
Ingeniso epheleleyo | 28% yoMvuzo opheleleyo weNyanga | I-36% yoMvuzo opheleleyo weNyanga |
---|---|---|
$40,000 | $933 | $1,200 |
$50,000 | $1,167 | $1,500 |
$60,000 | $1,400 | $1,800 |
$80,000 | $1,867 | $2,400 |
Ngaba ndingakwazi ukuthenga indlu ye-350k? YiMvuzo engakanani endiyidingayo kwi-350k ye-Mortgage? Kufuneka wenze $ 107,668 ngonyaka ukuhlawula imali-mboleko ye-350k. … Kwimeko yakho, umvuzo wakho wenyanga kufuneka ube malunga ne-8,972 yeedola. Intlawulo yenyanga kwi-mortgage ye-350k yi-$ 2,153.
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.