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.
Hereof, 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 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.
Ukongeza 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 endinokuyithenga ukuba ndenza i-60000 ngonyaka? Umgaqo oqhelekileyo webhontsi kukuba unako ukuhlawula imali mboleko kabini ukuya ku-2.5 amaxesha omvuzo wakho wonyaka. Leyo yi-$120,000 ukuya kwi-150,000 yemali yokubambisa nge-$60,000.
Ndidinga umvuzo ongakanani ukuze ndithenge indlu engama-700k?
YiMvuzo engakanani endiyidingayo kwi-700k ye-Mortgage? Kufuneka wenze $ 215,337 ngonyaka ukuhlawula imali-mboleko ye-700k.
Kufuneka wenze malini ukuze ukwazi ukuthenga indlu engama-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.
Ngaba ndingakwazi ukuthenga indlu ye-450k? YiMvuzo engakanani endiyidingayo kwi-450k ye-Mortgage? Kufuneka wenze $ 138,431 ngonyaka ukuhlawula imali-mboleko ye-450k. … Kwimeko yakho, umvuzo wakho wenyanga kufuneka ube malunga ne-11,536 yeedola. Intlawulo yenyanga kwi-mortgage ye-450k yi-$ 2,769.
Udinga umvuzo ongakanani ukuze uthenge indlu engama-300?
Oku kuthetha ukuba ukufumana indlu eyi-$300,000, uya kuyidinga $60,000.
Kwakhona Liliphi inqaku elifanelekileyo letyala lokuthenga indlu ngo-2020? Abaza kuba ngabathengi bamakhaya kufuneka bajonge ukuba namanqaku etyala 760 okanye ngaphezulu ukulungela awona mazinga angcono enzala kwimali yokubambisa. Nangona kunjalo, ubuncinci beemfuno zamanqaku ekhredithi ziyahluka ngokusekwe kuhlobo lwemali mboleko oyithathileyo kwaye ngubani oqinisekisa imboleko.
Leliphi inqaku letyala olidingayo ukuze uthenge indlu ngo-2021?
I-Federal Housing Administration, okanye i-FHA, ifuna amanqaku ekhredithi ubuncinane be500 ukuthenga ikhaya ngemali mboleko ye-FHA. Ubuncinci be-580 iyafuneka ukwenza intlawulo encinci ye-3.5%. Nangona kunjalo, ababolekisi abaninzi bafuna amanqaku angama-620 ukuya kuma-640 ukuze bafaneleke.
Ngowuphi umvuzo owudingayo ukuze uthenge indlu ye-1.5 yezigidi zeedola? Kuba $1.5M. Ekhaya, umthengi (abathengi) kuya kufuneka abe netyala elilungileyo, ukonga okanye ii-asethi ezingama-300K, (emva kwamatyala) kwaye kuya kufuneka ukuba enziwe. malunga $375K ngonyaka ingeniso eyonke.
Ngowuphi umvuzo endiwudingayo ukuze ndithenge indlu ye-1 yezigidi zeedola?
Iingcali zicebisa ukuba ungafuna umvuzo wonyaka phakathi kwe- $ 100,000 ukuya kwi-225,000 yeedola, kuxhomekeke kwiprofayili yakho yezemali, ukuze ukwazi ukuthenga i-$ 1 yezigidi zekhaya. Umlinganiselo wetyala lakho kwingeniso (i-DTI), amanqaku etyala, intlawulo ephantsi kunye nezinga lenzala, zonke ezo zinto zinegalelo kwinto onokukwazi ukuyifikelela.
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.
Kufuneka ndenze malini ukuze ndikwazi ukuthenga indlu eyi-400k? Yeyiphi ingeniso efunekayo kwi-400k yokubambisa? Ukuhlawula i-$ 400,000 yendlu, ababoleki kufuneka I-$ 55,600 ngemali yokubeka i-10 ekhulwini phantsi. Nge-mortgage yeminyaka engama-30, umvuzo wakho wenyanga kufuneka ubuncinci ube yi-8200 yeedola kwaye iintlawulo zakho zenyanga kwityala elikhoyo akufanele lidlule kwi-981 yeedola.
Kufuneka ndenze malini ukuze ndithenge indlu ye-300k? Oku kuthetha ukuba ukuhlawula i-$ 300,000 yendlu, uya kuyidinga $60,000.
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.
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.
Abantu bayithenga njani indlu eyi-600k?
Yeyiphi ingeniso efunekayo kwi-600k yokubambisa? Ukuthenga indlu exabisa iidola ezingama-600,000 kunye nentlawulo ephantsi yepesenti ezingama-20 (elingana ne-120,000 yeedola), kuya kufuneka ufumane umvuzo ngaphantsi $90,000 ngonyaka phambi kwerhafu. Intlawulo yenyanga yokubambisa iya kuba malunga ne-2,089 yeedola kule meko.
Yeyiphi imali-mboleko endinokuyifumana ngomvuzo we-100k? Omnye umgaqo omawuwulandele xa umisela ukuba lingakanani na ikhaya onokuthi ulihlawule kukuba lakho intlawulo yenyanga yokubambisa mayingadluli kwi-28% yomvuzo wakho wenyanga. Umzekelo, ukuba wenza i-$ 100,000 ngonyaka, intlawulo yakho yenyanga yemali yokubambisa kufuneka ingadluli i-$ 2,333.
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.
Ndingayifumana njani indlu eyi-1.5 yezigidi zeedola? Iingcali zicebisa ukuba unokufuna i ingeniso yonyaka phakathi $100,000 ukuba $225,000, kuxhomekeke kwiprofayili yakho yezemali, ukuze ukwazi ukuthenga i-$ 1 yezigidi zekhaya. Umlinganiselo wetyala lakho kwingeniso (i-DTI), amanqaku etyala, intlawulo ephantsi kunye nezinga lenzala, zonke ezo zinto zinegalelo kwinto onokukwazi ukuyifikelela.
Yimalini intlawulo ephantsi kwindlu ye-2 yezigidi zeedola?
Ke ngoko, ukuba ufuna ukuthenga indlu ezizigidi ezi-2 zeedola, kufuneka wenze ubuncinci be-667,000 yeedola ngonyaka. Kufuneka kwakhona ube ngokwaneleyo ukuze a I-20% yokuhlawula, okanye i-$400,000, kunye ne-100,000 yemali ye-buffer xa ulahlekelwa ngumsebenzi wakho. Kule meko yenzala iphantsi, ungazolula ukuthenga ikhaya ukuya kuthi ga kwi-5X yomvuzo wakho wonyaka.