Kuɗi
Kalkuleta na Bashin Sayen Gida
Kimanta biyan bashin gida daga farashin gida, biyan kuɗi na farko, ƙimar, da wa'adi.
Ƙara zuwa wurin aikiƘimomin shigarwa
Ana sabunta sakamako yayin da kake rubutu. Babu maɓallin lissafi. Duk lissafin suna gudana a cikin burauzarka.
Jimlar biyan kuɗi na wata-wata
—
—
Bayanin biyan kuɗi na wata-wata
| Adadin | |
|---|---|
| Babban jari & riba | — |
| Harajin kadarori (wata-wata) | — |
| Inshorar gida (kowace wata) | — |
| PMI (kowace wata) | — |
| HOA (kowace wata) | — |
| Jimlar biyan kuɗi na wata-wata | — |
Rabawar biyan kuɗi
Ana auna sanduna zuwa jimlar biyan kuɗi na wata-wata. Babban & riba yawanci shine mafi girman yanki; haraji da inshora kimantawa ne daga alkaluman shekara-shekara da kuka shigar.
Ƙa’ida
Lamuni = farashin gida - biyan kuɗi na farko. Lamuni-zuwa-ƙima = lamuni ÷ farashin gida. Babban & riba suna amfani da daidaitaccen tsarin amortization akan adadin lamunin. PMI yana aiki ne kawai lokacin da lamuni-zuwa-ƙima ya wuce 80%, a lamuni × PMI ƙimar ÷ 12 kowace wata. Haraji da inshora alkaluman shekara-shekara ne ÷ 12.
Misalin aiki
Farashin gida $400,000 tare da $80,000 ƙasa: lamuni $320,000, lamuni-zuwa-ƙima 80.00%. A 6.5% na tsawon shekaru 30, babban riba da riba shine $2,022.62. Ƙara haraji $400.00 da inshora $125.00 a wata; PMI shine $0 saboda lamuni-da-ƙimar bai wuce 80 ba. Jimlar biyan kuɗi na wata-wata $2,547.62.
Amfani da iyakoki
Matsakaicin ƙimar kuɗi na tsawon lokacin, PMI ana caji a kan ƙaramin farashi yayin da lamuni-da-ƙimar ya wuce 80% (ainihin PMI yawanci yana faɗuwa kuma ana sake farashi), kuma babu kuɗin rufewa, maki, ko daidaitawar farashi. Ana ɗaukar haraji da inshora akai-akai; a aikace duka suna canzawa akan lokaci. Ƙarin babban riba yana rage lamunin amma ba a haɗa shi cikin jimlar kanun labarai da ke sama ba.
FAQ
Yaushe PMI ke aiki?
A nan, sai lokacin da lamunin ya wuce 80% na farashin gida. A daidai 80% babu PMI a cikin wannan samfurin. Masu ba da lamuni kuma suna amfani da ƙa'idodin PMI da iyakokin sokewa.
Shin ƙarin babban ɓangare na jimlar?
A'a. Jimlar babban jimillar ita ce lissafin da ake buƙata na wata-wata. Ƙarin babban jimillar kuɗi ana yin sa ne don son rai kuma ana nuna shi daban don haka biyan da ake buƙata ya kasance iri ɗaya.
Me yasa adadin bashin ba shine farashin gida ba?
Ana biyan kuɗin farko a gaba, don haka sauran kawai ana aro. Babban biyan farko yana rage lamunin da kuma biyan kuɗin wata-wata.
Shin haraji da inshora suna nan a tsaye?
A'a. Dukansu galibi suna canzawa shekara zuwa shekara; wannan kalkuleta yana rarraba alkaluman shekara-shekara da kuke shigarwa daidai a cikin watanni.
Shin wannan ya haɗa da kuɗin rufewa?
A'a. Ana biyan kuɗin rufewa a lokacin siye kuma ba sa cikin biyan wata-wata. Kalkuleta na sake kuɗi yana kwatanta su daban-daban.
Kayan aiki masu alaƙa
- Kalkuleta na Bashi — babban kuɗi & riba akan kowane lamuni
- Kalkuleta Maida Kudi — kwatanta da sabon jinginar gida
- Kalkuleta na Hayar vs Siya — kwatanta mallaka da haya
Sakamako kimantawa ne kawai kuma ba ya nufin shawarar ƙwararru.