calculator ya ngongole
Central Bank of Ireland ikulamula kuti igwiritse ntchito malire pa ndalama zomwe obwereketsa pamsika waku Ireland angabwereke kwa obwereketsa. Malirewa amagwira ntchito ku loan-to-income (LTI) ndi loan-to-value (LTV) za nyumba zoyambira zogona komanso malo obwereketsa, ndipo akuwonjezera ku mfundo za obwereketsa pawokhapawokha. Mwachitsanzo, wobwereketsa akhoza kukhala ndi malire pa kuchuluka kwa malipiro anu opita kunyumba omwe angagwiritsidwe ntchito kulipira ngongole yanu yanyumba.
Malire a 3,5 nthawi zonse zomwe mumapeza pachaka zimagwira ntchito pakufunsira ngongole yanyumba panyumba yoyamba. Malire amenewa amagwiranso ntchito kwa anthu omwe ali ndi ndalama zosayenera omwe amapempha chiwongola dzanja cha nyumba yatsopano, koma osati omwe amapempha ngongole kuti agule nyumba yobwereketsa.
Obwereketsa amakhala ndi luntha pankhani yofunsira ngongole. Kwa ogula koyamba, 20% ya mtengo wangongole wovomerezedwa ndi wobwereketsa ukhoza kukhala wopitilira malirewo, ndipo kwa ogula achiwiri ndi otsatira, 10% ya mtengo wanyumba zobwereketsa zitha kukhala pansi pa malire awa.
Kodi malipiro a mortgage ndi chiyani
Ndalama zomwe mungabwereke zimatengera kuchuluka kwa momwe mungalipire pang'onopang'ono mwezi uliwonse pa moyo wanu wangongole, zomwe zitha kukhala zaka 35 kwa eni nyumba, kutengera zaka zanu.
Tikawunika kuchuluka kwa ndalama zomwe mungabwereke, timayang'ana tsatanetsatane wachuma chanu chonse, kuphatikiza ndalama zomwe mumapeza, zowonongera, ndalama zomwe mwasunga ndi kubweza ngongole zina. Kenaka, timawerengera ndalama zomwe mungathe kulipira pamwezi. Mwayi ndikuti mwachita izi nokha ndipo muli ndi chithunzi chomwe chikuwoneka chotheka.
Fomula yowerengera nyumba mu Excel
Mu gawo la "Down Payment", lembani kuchuluka kwa zomwe mwalipira (ngati mukugula) kapena kuchuluka kwa ndalama zomwe muli nazo (ngati mukubwezanso). Kulipira ndalama ndi ndalama zomwe mumalipira kutsogolo kwa nyumba, ndipo ndalama zapakhomo ndizo mtengo wa nyumbayo, kupatula zomwe muli nazo. Mutha kuyika ndalama za dollar kapena kuchuluka kwa mtengo wogula womwe musiya.
Chiwongola dzanja chanu pamwezi Obwereketsa amakupatsirani chiwongola dzanja chapachaka, ndiye muyenera kugawa chiwongola dzanja ndi 12 (chiwerengero cha miyezi pachaka) kuti mulandire chiwongola dzanja pamwezi. Ngati chiwongola dzanja chili 5%, mwezi uliwonse udzakhala 0,004167 (0,05/12 = 0,004167).
Chiwerengero cha zomwe mwabweza pa nthawi yonse ya ngongoleyo Chulukitsani kuchuluka kwa zaka zomwe mwabwereketsa ndi 12 (chiwerengero cha miyezi pachaka) kuti mupeze kuchuluka kwa zomwe mwabweza pangongole yanu. Mwachitsanzo, ngongole yokhazikika yazaka 30 imakhala ndi malipiro 360 (30×12=360).
Fomulayi imatha kukuthandizani kuti muwerenge manambala kuti muwone kuchuluka komwe mungakulipire nyumba yanu. Kugwiritsa ntchito calculator yathu yobwereketsa kungapangitse ntchito yanu kukhala yosavuta komanso kukuthandizani kusankha ngati mukuchepetsa ndalama zokwanira kapena ngati mungathe kapena mukuyenera kusintha nthawi yangongole yanu. Nthawi zonse ndi bwino kuyerekeza chiwongola dzanja ndi obwereketsa angapo kuti muwonetsetse kuti mukupeza ndalama zabwino kwambiri.
Bankrate Calculator
Lowetsani zambiri zanu mu calculator kuti muyerekeze ndalama zomwe mungabwereke. Mukamaliza kuwerengera, mutha kusamutsa zotsatira ku calculator yathu yofananira yanyumba, komwe mungafananize mitundu yonse yaposachedwa yanyumba.
Malire awa adakhazikitsidwa ndi Banki Yaikulu yaku Ireland ngati gawo la malamulo a macroprudential. Cholinga cha malamulowa ndikuwonetsetsa kuti ogula amakhala anzeru pobwereka, kuti obwereketsa azikhala osamala popereka ngongole, komanso kuthandizira kuwongolera kukwera kwamitengo yanyumba.
Malamulo a Banki Yapakati amafunikira kusungitsa 10% kwa ogula koyamba. Ndi dongosolo latsopano lothandizira ogula nyumba zatsopano, zipinda zogona komanso zodzipangira nokha, mutha kutsitsa msonkho ndi 10% (ndi malire opitilira 30.000 euros) pamtengo wogulira malo omwe amawononga ma euro 500.000 kapena kuchepera.
