Iyiphi imali engenayo edingekayo ukuze uthole i-mortgage engu-400k? Ukuze uthenge indlu engu-$400,000, ababoleki badinga imali engu-$55,600 ukuze babeke phansi amaphesenti ayishumi. Nge-mortgage yeminyaka engama-10, umholo wakho wanyanga zonke kufanele okungenani $8200 futhi izinkokhelo zakho zanyanga zonke ezikweletini ezikhona akufanele zidlule u-$981. (Lesi isibonelo esilinganiselwe.)
Hereof, Iyiphi indlu engingayikhokhela ngama-70k ngonyaka? Ingakanani imali okufanele uyisebenzise ekweletini? NgokukaBrown, kufanele usebenzise phakathi kuka-28% kuya ku-36% wemali oyitholayo oya nayo ekhaya ekukhokheleni indlu yakho. Uma wenza u-$70,000 ngonyaka, inkokhelo yakho yanyanga zonke oya nayo ekhaya, okuhlanganisa nokubanjwa kwentela, kuyoba cishe $ 4,328.
Ungagunyazwa kanjani i-mortgage engu-500K? Umthetho omuhle wesithupha ukuthi izindleko eziphezulu zendlu yakho kufanele zibe kungabi 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, iholo lakho elincane kufanele libe phakathi kuka-$165K no-$200K.
Ukwengeza Ngingakwazi yini ukuthenga indlu engama-300k ngomholo wama-60k? Umthetho ojwayelekile wesithupha wukuthi ungakwazi ukukhokhela a bolekisa kabili kuya ku-2.5 imali yakho yonyaka. Leyo yimalimboleko engu-$120,000 kuya ku-$150,000 ngo-$60,000. … Ababolekisi bafuna uthishanhloko, inzalo, izintela kanye nomshwalense wakho - okubhekiselwa kuwo nge-PITI - kube ngamaphesenti angama-28 noma ngaphansi kwesamba sakho senyanga yonke oyiholayo.
Ngidinga malini ukuze ngithole i-750000 mortgage? Uma wena noma umndeni wakho nikwenza phakathi kuka- $ 250,000- $ 300,000, usendaweni emnandi yokuthatha imali yokuthenga indlu ka-$750,000 yamadola. Lokhu kungenxa yokuthi akufanele usebenzise imali engaphezu kuka-3X umholo wakho wonyaka ekhaya ngemva kokubeka phansi u-20%. Lona umthetho wami we-30/30/3 wokuthenga ikhaya.
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.
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 ngo-$80 ngonyaka? Ngakho-ke, uma wenza ama- $ 000 ngonyaka, kufanele ubheke ezindlini amanani aphakathi kwama-$240,000 kuya ku-$320,000. Ungaphinde ubeke umkhawulo kulobu bubanzi ngokuthola inkokhelo ye-mortgage yanyanga zonke enethezekile. Ukwenza lokhu, thatha umholo wakho wanyanga zonke wangemva kwentela, ukhiphe zonke izinkokhelo zezikweletu zamanje bese uphindaphinda leyo nombolo ngo-25%.
Iyiphi imali yendlu yezindlu engingayikhokhela ngomholo wami?
Umthetho ojwayelekile ukuthi ungakwazi ukukhokhela i-mortgage okungukuthi 2x kuya ku-2.5x isamba sakho semali engenayo. Isamba sezinkokhelo zenyanga zonke zezindlu ezibolekiwe ngokuvamile zenziwe izingxenye ezine: inhloko, inzalo, izintela, nomshwalense (okuhlangene owaziwa ngokuthi i-PITI).
Futhi Ingakanani imali ye-mortgage engingayithola 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.
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.
Kufanele wenze malini ngonyaka ukuze uthenge indlu engu-$500000? Imali engenayo edingekayo ukuze uthole i-mortgage engu-500k? + Imali ebolekiwe engu-$500k enenani lenzalo engu-4.5% iminyaka engu-30 kanye nenkokhelo ephansi engu-$10k izodinga imali engenayo yonyaka $121,582 ukuze ufanelekele ukubolekwa imali. Ungakwazi ukubala ukuhlukahluka okwengeziwe kulawa mapharamitha nge-Calculator yethu Yemali Engenayo Edingekayo Ye-Mortgage.
Iyiphi imali engenayo oyidingayo ukuze uthole i-mortgage 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.
Ngingakwazi ukuthenga indlu eyenza u-40k ngonyaka?
Nakuba abathengi kungase kudingeke bakhokhe isikweletu, bonge ukheshi futhi bafanelekele ukubolekwa imali, okubalulekile ukuthi ukuthenga ikhaya emholweni wezinga eliphakathi kusengenzeka - kwezinye izindawo. Ngezansi, hlola amadolobha angu-15 lapho ungaba khona umninikhaya kuyilapho uhola u-$40,000 ngonyaka noma ngaphansi.
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, ithatha imalimboleko yeminyaka engu-30 enenani lenzalo elingu-3.25%. Inkokhelo ye-mortgage yanyanga zonke ilinganiselwa ku-$2,785.
Ubani ongakwazi ukuthenga indlu engu-750k? Ungachithi imali engaphezu kwezikhathi ezi-5-6 zeholo lakho lonyaka uthenga ikhaya. Lesi isibalo esilula esithi uyasidinga imali engenayo yonyaka eyi-$125,000 kuya ku-$150,000 ukukhokhela ikhaya lama- $ 750,000. Lesi sibalo sithatha ukuthi izinga lenzalo ye-mortgage yakho ngu-4-5%.
Ingakanani imali oyidingayo ukuze uthenge indlu engu-$450000?
Uma kubhekwa isimo esingcono kakhulu - awunaso isikweletu, amaphuzu amahle esikweletu, u-$90,000 ongawubeka phansi futhi ukwazi ukuvikela izinga lenzalo eliphansi elingu-3.12% - inkokhelo yakho yanyanga zonke yendlu engu-$450,000 ingaba ngu-$1,903. Lokho kusho ukuthi umholo wakho wonyaka uzodinga $70,000 ngaphambili izintela.
Imuphi umholo engiwudingayo ukuze ngibolekwe ngo-500K? 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.
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 eyisigidi ngaphandle kwemali? Ukuthenga Indawo Ethengiswayo Ngaphandle Kwemali Ephansi
- Boleka Imali. Mhlawumbe indlela elula yokuthenga indawo ngaphandle kwemali ephansi iwukuboleka inkokhelo ephansi. …
- Cabanga nge-Mortgage Ekhona. …
- Qasha ngenketho yokuthenga. …
- Izimali Zomthengisi. …
- Xoxisana Ngenkokhelo Ephansi. …
- Shintshanisa Impahla yomuntu. …
- Shintshanisa Amakhono Akho. …
- Thatha Uzakwethu.
Iyini inkokhelo yanyanga zonke ku-$1 million ye-mortgage?
Isikweletu seminyaka engu-30, $1,000,000 enezindleko zenzalo engu-4% cishe u- $ 4,774 ngenyanga - futhi ungagcina usukhokha inzalo engaphezu kuka-$700,000 phakathi nesikhathi semali mboleko.
Ngingakwazi ukuthenga indlu eyenza u-$40 Ka ngonyaka? Thatha umthengi wekhaya owenza u-$40,000 ngonyaka. Isamba esiphezulu sezinkokhelo zanyanga zonke ezihlobene ne-mortgage ku-28% wesamba semali engenayo ngu-$933. … Ngaphezu kwalokho, umabolekisi uthi isamba esikhokhwayo sezikweletu ngenyanga akumele seqe u-36%, okufika ku-$1,200.
Iyiphi imali ye-mortgage engingakwazi ukuyikhokhela ngama-62k ngonyaka?
Umthetho ojwayelekile wesithupha wukuthi ungakwazi ukukhokhela a bolekisa kabili kuya ku-2.5 imali yakho yonyaka. Lokho kubanjiswa ngemali engu- $ 120,000 kuya ku- $ 150,000 ku- $ 60,000.