Umthetho omuhle wesithupha ukuthi izindleko eziphezulu zendlu yakho akufanele zibe ngaphezu kuka-2.5 kuya ku-3 isamba semali engenayo yonyaka. Lokhu kusho ukuthi uma ubufuna ukuthenga ikhaya elingu-$500K noma ufanelekele ukubolekwa imali ka-$500K, umholo wakho omncane kufanele wehle. phakathi kokungu-$165K nokungu-$200K.
Hereof, Ingakanani indlu engingayithenga ngeholo lika-120k? Uma wenza u-$50,000 ngonyaka, izindleko zakho zezindlu zaminyaka yonke kufanele zingabi ngaphezu kuka-$14,000, noma u-$1,167 ngenyanga. Uma wenza u-$120,000 ngonyaka, ungahamba kuze kufike ku-$33,600 ngonyaka, noma amaRandi angu-2,800 36 ngenyanga—inqobo nje uma ezinye izikweletu zingakususi ngaphezu kwamaphesenti angu-XNUMX.
Ingakanani imali yokubolekwa engingathola ngesikolo sesikweletu esingu-650? Ngamaphuzu esikweletu angu-650, izinga lakho lenzalo yemali ebolekiwe lingaba cishe 3.805%, okungakubiza cishe u-$203,541 ngenzalo emalini ebolekiwe engu-$300,000, engu-30. Uma ungase ukhuphule isikolo sakho sekhredithi ngisho namaphuzu angu-30, uzomele wonge ngaphezu kuka-$25,000.
Ukwengeza Ingakanani imali oyidingayo ukuze uthenge indlu engu-$800000? Ezindlini ezisebangeni elingu-$800,000, elisezingeni eliphakathi nendawo ezimakethe eziningi zezindlu, isibali se-DollarTimes sincoma ukuthi abathengi balethe. $119,371 ngaphambi kwentela, ithatha imalimboleko yeminyaka engu-30 enenani lenzalo elingu-3.25%. Inkokhelo ye-mortgage yanyanga zonke ilinganiselwa ku-$2,785.
Ingakanani indlu engingayithenga uma ngenza i-60000 ngonyaka? Umthetho ojwayelekile wesithupha wukuthi ungakwazi ukukhokhela i-mortgage kabili kuya ku-2.5 ephindwe kabili emholweni wakho wonyaka. Lokho kubanjiswa ngemali engu- $ 120,000 kuya ku- $ 150,000 ku- $ 60,000.
Ingakanani imali engiyidingayo ukuze ngithenge indlu engu-700k?
Ingakanani Imali Engenayo Engiyidingayo Nge-Mortgage engu-700k? Udinga ukwenza $ 215,337 ngonyaka ukukhokhela i-mortgage engu-700k.
Kufanele wenze malini ukuze uthenge indlu engu-800k? Ezindlini ezisebangeni elingu-$800,000, elisezingeni eliphakathi nendawo ezimakethe eziningi zezindlu, isibali se-DollarTimes sincoma ukuthi abathengi balethe. $119,371 ngaphambi kwentela, ithatha imalimboleko yeminyaka engu-30 enenani lenzalo elingu-3.25%.
Ngingakwazi ukuthenga indlu engu-450k? Ingakanani Imali Engenayo Engiyidingayo Nge-Mortgage engama-450k? Udinga ukwenza $ 138,431 ngonyaka ukukhokhela i-mortgage engu-450k. … Esimeni sakho, imali oyiholayo ngenyanga kufanele ibe ngu-$11,536. Inkokhelo yanyanga zonke ye-mortgage engu-450k ingu-$2,769.
Ingakanani imali oyidingayo ukuze uthenge indlu engu-300?
Lokhu kusho ukuthi ukukhokhela indlu engu-$300,000, uzoyidinga $60,000.
Futhi Yisiphi isikolo esihle sesikweletu sokuthenga indlu 2020? Abafuna ukuthenga izindlu kufanele bahlose ukuba nezikolo zezikweletu 760 noma ngaphezulu ukuze ufaneleke ukuthola amanani enzalo angcono kakhulu emali ebolekiwe. Kodwa-ke, ubuncane bezidingo zamaphuzu esikweletu ziyahlukahluka ngokuya ngohlobo lwemalimboleko oyithathayo nokuthi ubani oqinisekisa ukubolekwa imali.
Yimaphi amaphuzu esikweletu owadingayo ukuze uthenge indlu ngo-2021?
I-Federal Housing Administration, noma i-FHA, idinga amaphuzu esikweletu okungenani i-500 ukuthenga ikhaya ngemalimboleko ye-FHA. Kudingeka ubuncane obungama-580 ukwenza inkokhelo encane engu-3.5%. Kodwa-ke, ababolekisi abaningi badinga amaphuzu angama-620 kuye kwangama-640 ukuze bafaneleke.
Imuphi umholo owudingayo ukuze uthenge indlu engu-1.5 million dollar? Nge-$1.5M. Ekhaya, umthengi (abathengi) uzodinga ukuba nekhredithi enhle, ukonga noma izimpahla zika-$300K, (ngemuva kwezikweletu) futhi kuzodingeka zenziwe. imali engenayo engaba ngu-$375K ngonyaka.
Imuphi umholo engiwudingayo ukuze ngithenge indlu engu-1 million dollar?
Ochwepheshe basikisela ukuthi ungase udinge iholo lonyaka phakathi kuka- $ 100,000 kuya ku- $ 225,000, kuye ngephrofayela yakho yezezimali, ukuze ukwazi ukukhokhela ikhaya elingu-$1 million. Isilinganiso sakho sesikweletu semali engenayo (i-DTI), amaphuzu esikweletu, inkokhelo ephansi kanye nezinga lenzalo konke kunomthelela kulokho ongakwazi ukukukhokhela.
Ingakanani imali ye-mortgage engingakwazi ukuyikhokhela ngeholo lika-200k?
Ukubambisa ngeholo lika-200k, usebenzisa umthetho we-2.5, kusho ukuthi ungakwazi ukukhokhela $500,000 ($200,00 x 2.5). Ngezinga lenzalo elingamaphesenti angu-4.5 kanye nesikhathi seminyaka engu-30, inkokhelo yakho yanyanga zonke izoba ngu-$2533 futhi uzokhokha u-$912,034 phakathi nokuphila kwakho konke ngenxa yenzalo.
Ngidinga malini ukuze ngikwazi ukuthenga indlu engu-400k? Iyiphi imali engenayo edingekayo ukuze uthole i-mortgage engu-400k? Ukuze uthole indlu engu-$400,000, ababoleki bayayidinga $55,600 ngemali yokubeka amaphesenti ayi-10 phansi. Ngemali ebolekiwe yeminyaka engu-30, umholo wakho wanyanga zonke kufanele okungenani ube u-$8200 futhi izinkokhelo zakho zanyanga zonke esikweletini esikhona akumele zidlule u-$981.
Kufanele ngenze malini ukuze ngithenge indlu ka-300k? Lokhu kusho ukuthi ukukhokhela indlu engu-$300,000, uzoyidinga $60,000.
Iyiphi imali yokubolekwa kwendlu engingayikhokhela ngomholo wama-80k?
Umthetho wegolide ekunqumeni ukuthi ingakanani indlu ongakwazi ukuyikhokhela ukuthi inkokhelo yakho yenyanga yonke ye-mortgage akufanele idlule ku-28% wesamba sakho semali engenayo yanyanga zonke (iholo lakho ngaphambi kokuthi kukhishwe izintela). Isibonelo, uma wena nowakwakho nineholo elihlangene lonyaka lika-$80,000, inkokhelo yakho yendlu ebolekiwe akufanele idlule u-$1,866.
Yini ethathwa njengeholo elicebile? Nge imali engenayo engu-$500,000 +, ubhekwa njengocebile, nomaphi lapho uhlala khona! Ngokusho kwe-IRS, noma yimuphi umuzi owenza imali engaphezu kuka-$500,000 ngonyaka ngo-2022 uthathwa njengomuntu ohola kakhulu ngo-1%. Kunjalo, ezinye izingxenye zezwe zidinga izinga eliphezulu lemali engenayo ukuze libe semalini engenayo engu-1% ephezulu, isb. I-Connecticut ku-$580,000.
Abantu bayithenga kanjani indlu ka-600k?
Iyiphi imali engenayo edingekayo ukuze uthole i-mortgage engu-600k? Ukuze uthenge indlu ebiza u-$600,000 ngenkokhelo ephansi engamaphesenti angama-20 (elingana no-$120,000), uzodinga ukuzuza nje. ngaphansi kuka-$90,000 ngonyaka ngaphambi kwentela. Inkokhelo yenyanga yonke yendlunkulu izoba cishe u-$2,089 kulesi simo.
Iyiphi imali ye-mortgage engingakwazi ukuyikhokhela ngomholo we-100k? Omunye umthetho okufanele ulandelwe lapho unquma ukuthi lingakanani ikhaya ongakwazi ukulikhokhela ukuthi elakho inkokhelo yenyanga yendlu yendlu akufanele yeqe u-28% womholo wakho wanyanga zonke. Isibonelo, uma wenza u-$100,000 ngonyaka, inkokhelo yakho yemali mboleko yenyanga akufanele idlule u-$2,333.
Ingakanani imali engiyidingayo ngendlu engu-1.5 million?
Nge-$1.5M. Ekhaya, umthengi (abathengi) uzodinga ukuba nekhredithi enhle, ukonga noma izimpahla zika-$300K, (ngemuva kwezikweletu) futhi kuzodingeka ukuthi imali engenayo engaba ngu-$375K ngonyaka.
Ngingayithenga kanjani indlu engu-1.5 million dollar? Ochwepheshe basikisela ukuthi ungase udinge i imali engenayo yonyaka phakathi kwama-$100,000 kuya ku-$225,000, kuye ngephrofayela yakho yezezimali, ukuze ukwazi ukukhokhela ikhaya elingu-$1 million. Isilinganiso sakho sesikweletu semali engenayo (i-DTI), amaphuzu esikweletu, inkokhelo ephansi kanye nezinga lenzalo konke kunomthelela kulokho ongakwazi ukukukhokhela.
Yimalini ukukhokhwa kwendlu engu-2 million dollar?
Ngakho-ke, uma ufuna ukuthenga indlu eyizigidi ezi-2 zamaRandi, udinga ukwenza okungenani ama- $ 667,000 ngonyaka. Kufanele futhi ube nokwanele a I-20% yokukhokha phansi, noma u-$400,000, kanye nesilondolozi semali esingu-$100,000 uma kwenzeka ulahlekelwa umsebenzi. Kule ndawo yezinga lenzalo ephansi, ungakwazi ukunwebeka ukuze uthenge ikhaya elingafika ku-5X isamba semali engenayo yonyaka.