Mortgage Calculator
Central Bank yeIreland inotonga kushandisa miganho kune huwandu hwevakweretesi vemusika weIrish vanogona kukweretesa kune vanonyorera remba. Iyi miganho inoshanda kune chikwereti-kune-muhoro (LTI) reshiyo uye chikwereti-ku-value (LTV) yezviyero zvekutanga zvekugara uye zvivakwa zvekurojesa, uye zviri kuwedzera kune mumwe munhu anokweretesa kiredhiti mitemo nemitemo. Semuenzaniso, mukweretesi anogona kunge aine muganhu pachikamu chemubhadharo wako wekutora kumba unogona kushandiswa kubhadhara imba.
Muganho we3,5 nguva yako yegore rose mari inoshandiswa kune zvikumbiro zvemba yemba yepuraimari. Muganho uyu unoshandawo kune vanhu vane mambure asina kunaka vanonyorera remba yeimba nyowani, asi kwete avo vanonyorera chikwereti chekutenga imba yekurojesa.
Vanokweretesa vane kumwe kungwara kana zvasvika pakukumbira zvikwereti. Kune vanotenga kekutanga, 20% yeukoshi hwezvikwereti zvinotenderwa nemukweretesi zvinogona kunge zviri pamusoro pemuganhu uyu, uye kune vatengi vechipiri nevanotevera, 10% yeukoshi hwezvikwereti izvi zvinogona kunge zviri pasi pemuganhu uyu.
Chii chinonzi mortgage payment
Yakawanda sei yaunogona kukwereta inoenderana nekuti imarii yaunogona kubhadhara muzvikamu zvemwedzi nemwedzi pamusoro pehupenyu hwechimba chako chemba, icho chinogona kusvika kumakore makumi matatu nemashanu kune varidzi vemba, zvichienderana nezera rako.
Kana tikaongorora kuti imarii yaungakwereta, tinotarisa iwo mamiriro emari yako yese, kusanganisira mari, mari, mari yaungachengeta, uye kumwe kudzoserwa kwechikwereti. Tevere, isu tinoverenga iyo pamwedzi yemortgage mari yaunokwanisa kutenga. Iwe unogona kunge waita chiitiko ichi iwe pachako uye uine chimiro mupfungwa chinoita sechinogoneka.
Mortgage kuverenga formula muExcel
Muchikamu che "Down Payment", nyora huwandu hwekubhadhara kwako (kana uri kutenga) kana huwandu hwemari yaunayo (kana uri kudzorerazve). Kubhadhara pasi ndiyo mari yaunobhadhara mberi kweimba, uye kuenzana kweimba ndiko kukosha kweimba, kubvisa zvaunokwereta. Unogona kuisa mari yedhora kana chikamu chemutengo wekutenga wauchasiya.
Mari yako yepamwedzi yemubereko Vakweretesi vanokupa mwero wepagore, saka unozofanirwa kupatsanura nhamba iyoyo negumi nembiri (nhamba yemwedzi pagore) kuti uwane muyero wepamwedzi. Kana mubereko uri 12%, mwero wepamwedzi uchava 5 (0,004167/0,05 = 12).
Nhamba yekubhadhara kwehupenyu hwechikwereti Wedzera huwandu hwemakore muchikwereti chako negumi nemaviri (nhamba yemwedzi pagore) kuti uwane huwandu hwekubhadhara pachikwereti chako. Semuyenzaniso, makore makumi matatu emuhomwe akagadziriswa angave ane mazana matatu nemakumi matanhatu ekubhadhara (12×30=360).
Iyi fomula inogona kukubatsira kudzvanya nhamba kuti uone kuti imarii yaungakwanise kubhadhara imba yako. Kushandisa yedu mortgage calculator kunogona kuita kuti basa rako rive nyore uye kukubatsira kuti usarudze kana uri kuisa mari yakakwana pasi kana uchikwanisa kana kugadzirisa nguva yechikwereti chako. Iri zano rakanaka nguva dzose kuenzanisa mareti emubereko nevazhinji vanokweretesa kuti uve nechokwadi chekuti uri kuwana dhiri yakanakisa iripo.
Bank rate Calculator
Isa ruzivo rwako mu Calculator kuti ufungidzire huwandu hwembavha yaunogona kukwereta. Mushure mekunge mapedza kuverenga, unogona kuendesa mibairo kune yedu yemortgage comparison calculator, kwaunogona kuenzanisa ese achangoburwa emortgage marudzi.
Iyi miganho yakaiswa neCentral Bank yeIreland sechikamu chemitemo macroprudential. Chikonzero chemitemo iyi ndechekuona kuti vatengi vangwarisa kana vachikwereta, kuti vanokweretesa vangwarire pavanenge vachipa zvikwereti, uyezve kubatsira kudzora inflation yemba.
Central Bank dhipoziti mitemo inoda 10% dhipoziti kekutanga vatengi. Nechirongwa chitsva chekubatsira kutenga kune vatengi vedzimba nyowani, dzimba uye kuzvivakira wega, unogona kuwana kudzikiswa kwemutero kwegumi muzana (nemuganho wepamusoro wemakumi matatu ezviuru emaeuro) yemutengo wekutenga wezvivakwa zvinodhura zviuru mazana mashanu emaeuro kana zvishoma.
