Ingakanani Imali Engenayo Engiyidingayo Nge-Mortgage engu-700k? Udinga ukwenza $ 215,337 ngonyaka ukukhokhela i-mortgage engu-700k.
Ngokufanayo, 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.
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.
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.
Okwesibili Ngidinga malini ukuze ngikwazi ukuthenga indlu engu-450k? Udinga ukwenza $ 138,431 ngonyaka ukukhokhela isikweletu semali mboleko esingu-450k. Sisekela imali oyidingayo ekubanjisweni kwemali engu-450k ekukhokheni okungama-24% wemali yakho engenayo yenyanga. Endabeni yakho, umholo wakho wenyanga kufanele ube ngu- $ 11,536. Inkokhelo yanyanga zonke ye-mortgage engu-450k ingu-$2,769.
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.
bese ngikhokhela yiphi i-mortgage ngomholo wama-50k? Umuntu owenza u-$50,000 ngonyaka angase akwazi ukuthenga indlu ebiza noma yikuphi kusuka ku- $ 180,000 kuye cishe ku- $ 300,000. Kungenxa yokuthi umholo akuyona ukuphela okuguqukayo okunquma isabelomali sakho sokuthenga ekhaya. Kufanele futhi ucabangele amaphuzu akho esikweletu, izikweletu zamanje, amanani ezinto ezibanjiswayo, nezinye izinto eziningi.
Ingakanani indlu engingayikhokhela iholo lama-70k? Ingakanani imali okufanele uyisebenzise ekweletini? Ngokusho kukaBrown, kufanele uchithe phakathi kwama-28% kuya ku-36% omholo wakho oya nawo ekhaya ngenkokhelo yakho yendlu. Uma wenza u-$70,000 ngonyaka, inkokhelo yakho yanyanga zonke oya nayo ekhaya, okuhlanganisa nokubanjwa kwentela, kuzoba cishe u-$4,328.
Ingakanani iholo elihle lomuntu oyedwa?
Kuye ngokuthi uhlala kuphi e-United States, inani elidingekayo ukuze uphile ngokunethezeka lingahluka kakhulu. Ngenkathi ukwazi ukudlula njengomuntu oyedwa emholweni wonyaka ongu-$22,000 eKentucky noma e-Arkansas, uzodinga okungenani $30,000 in Hawaii noma Maryland.
Ingakanani inzuzo enhle ngokweminyaka? Isilinganiso sengqikithi yenani lemindeni yase-US ngu-$748,800. I-median - isilinganiso esimele kakhulu - yi-$ 121,700.
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Isilinganiso senani ngokweminyaka yobudala.
Iminyaka yenhloko yomndeni | Median inenani elifanele | Isilinganiso sinenani |
---|---|---|
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 |
Imuphi umholo othathwa njengompofu?
Kunezinguqulo ezimbili ezihluke kancane zesilinganiso sobumpofu sikahulumeni: Imikhawulo yobuphofu, kanye. Imihlahlandlela yobumpofu.
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2021 IZIHLAHLANDLELA ZOBUBHEBHANA ZEMIBUSO EZIXHUMANE 48 KANYE NESIFUNDA SASE-COLUMBIA.
Abantu emndenini/ekhaya | Isiqondiso sendlala |
---|---|
1 | $12,880 |
2 | $17,420 |
3 | $21,960 |
4 | $26,500 |
Ngingakwazi ukuthenga 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, ukuthatha imalimboleko yeminyaka engama-30 enenani lenzalo elingu-3.25%. Inkokhelo yanyanga zonke ye-mortgage ilinganiselwa ku-$2,785.
Iyiphi imali yokubolekwa kwendlu engingayikhokhela ngomholo wama-70k?
Ngakho-ke uma uhola u-$70,000 ngonyaka, kufanele ukwazi ukusebenzisa okungenani u-$1,692 ngenyanga - futhi kufika ku-$2,391 ngenyanga - ngendlela yezinkokhelo zerenti noma zezindlu.
Ngingakwazi ukuthenga indlu engu-650000?
Ingakanani Imali Engenayo Engiyidingayo Nge-Mortgage engu-650k? Udinga ukwenza $ 199,956 ngonyaka ukukhokhela i-mortgage engu-650k. … Esimeni sakho, imali oyiholayo ngenyanga kufanele ibe ngu-$16,663. Inkokhelo yanyanga zonke ye-mortgage engu-650k ingu-$3,999.
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 indlu engingayikhokhela iholo lika-50k? Umuntu owenza u-$50,000 ngonyaka angase akwazi ukuthenga indlu ebiza noma yikuphi kusuka ku- $ 180,000 kuye cishe ku- $ 300,000. Kungenxa yokuthi umholo akuyona ukuphela okuguqukayo okunquma isabelomali sakho sokuthenga ekhaya. Kufanele futhi ucabangele amaphuzu akho esikweletu, izikweletu zamanje, amanani ezinto ezibanjiswayo, nezinye izinto eziningi.
Iyini isilinganiso senkokhelo ye-mortgage endlini engu-400k?
Izinkokhelo zanyanga zonke ze-mortgage engu-$400,000
Emalinimboleko engu-$400,000 enenani lephesenti lonyaka (APR) elingu-3%, inkokhelo yakho yanyanga zonke izoba $1,686 ngesikweletu seminyaka engama-30 kanye no-$2,762 ngeminyaka engu-15.
Yimuphi umholo engiwudingayo ukuze ngithenge indlu engu-350k? Udinga ukwenza $ 107,668 ngonyaka ukukhokhela isikweletu semali mboleko esingu-350k. Sisekela imali oyidingayo ekubanjisweni kwemali engu-350k ekukhokheni okungama-24% wemali yakho engenayo yenyanga. Endabeni yakho, umholo wakho wenyanga kufanele ube ngu- $ 8,972. Inkokhelo yanyanga zonke ye-mortgage engu-350k ingu-$2,153.
Iyiphi indlu engingayithenga ngeholo lika-90k?
Ngenza u-$90,000 ngonyaka. Ingakanani indlu engingayithenga? Ungakwazi ukukhokhela inendlu engu-$306,000.
Ingabe i-78000 iholo elihle? Izinga lemali engenayo yonyaka abantu baseMelika bathi kuthatha ukuba sezingeni eliphakathi. … Uma ungashadile, iholo lakhona U-$26,000 kuya ku-$78,000 ukufanelekela njengeholo eliphakathi nendawo. Ucwaningo luka-2017 oluvela kuCharles Schwab lwathola ukuthi abantu baseMelika nabo banomkhawulo ophezulu wokuthi yini eyenza umuntu acebe.
Ingakanani indlu engingayithenga ngeholo lika-40k?
Kodwa-ke, ukuthi yimalini ongakwazi ukuyikhokhela kuya ngesikweletu sakho, ukukhokha kancane kanye nezinye izindleko njengezintela nomshwalense.
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3. Umthetho wama-36%.
Imali Ephelele | 28% Yemali Engenayo Yanyanga zonke | U-36% Wemali Engenile Yanyanga zonke |
---|---|---|
$40,000 | $933 | $1,200 |
$50,000 | $1,167 | $1,500 |
$60,000 | $1,400 | $1,800 |
$80,000 | $1,867 | $2,400 |
Ngingakwazi ukuthenga indlu engu-350k? Ingakanani Imali Engenayo Engiyidingayo Nge-Mortgage engama-350k? Udinga ukwenza $ 107,668 ngonyaka ukukhokhela i-mortgage engu-350k. … Esimeni sakho, imali oyiholayo ngenyanga kufanele ibe ngu-$8,972. Inkokhelo yanyanga zonke ye-mortgage engu-350k ingu-$2,153.
Ingakanani imali oyidingayo ukuze uthole i-mortgage engu-$350?
Imali mboleko engu-$350k enezinga lenzalo engu-4.5% ngaphezu kweminyaka engama-30 kanye nenkokhelo ephansi engu-$10k izodinga imali engenayo yonyaka $86,331 ukuze ufanelekele ukubolekwa imali. Ungakwazi ukubala ukuhlukahluka okwengeziwe kulawa mapharamitha nge-Calculator yethu Yemali Engenayo Edingekayo Ye-Mortgage.