i-mortgage calculator
I-Central Bank yase-Ireland ilawula ukusebenzisa imida kwisixa-mali ababolekisi kwimarike yase-Ireland banokuboleka kubafaki-sicelo semali-mboleko. Le mida isebenza kumlinganiselo wemali-mboleko-kwingeniso (LTI) kunye nomlinganiselo wemali-mboleko-kwixabiso (LTV) kuzo zombini iindawo zokuhlala eziphambili kunye neepropati ezirentwayo, kwaye yongezwa kwimigaqo-nkqubo nemiqathango yomboleki-mali ngamnye. Umzekelo, umbolekisi unokuba nomda wepesenteji yomvuzo owuthathayo oya ekhaya onokusetyenziselwa ukuhlawula imali-mboleko yakho.
Umda we-3,5 amaxesha omvuzo wakho wonyaka uyasebenza kwizicelo ze-mortgage kwikhaya lokuqala. Lo mda ukwasebenza kubantu abanexabiso elibi abafake izicelo zokubambisa ngendlu entsha, kodwa hayi abo bafaka isicelo semali mboleko ukuze bathenge indlu erentwayo.
Ababolekisi banengqiqo ethile xa kuziwa kwizicelo zokubambisa. Kubathengi bokuqala, i-20% yexabiso le-mortgages evunyiweyo ngumbolekisi inokuthi ibe ngaphaya kwalo mda, kwaye kubathengi besibini kunye nabalandelayo, i-10% yexabiso lezo zindlu ezibolekwayo zingaba ngaphantsi kwesi siphelo.
Yintoni intlawulo yokubambisa
Isixa onokuthi usiboleke ngenene sixhomekeke ekubeni yimalini onokuyihlawula kakuhle ngezavenge zenyanga kubomi bemali-mboleko yakho, enokufikelela kwiminyaka engama-35 kubaninimzi, kuxhomekeke kwiminyaka yakho.
Xa sivavanya ukuba yimalini onokuyiboleka, sijonga iinkcukacha zemeko yakho yezemali iyonke, kuquka umvuzo, iindleko, ukonga, kunye nezinye iimbuyekezo zemboleko. Okulandelayo, sibala isixa-mali se-mortgage yenyanga onokufikelela kuyo. Kusenokwenzeka ukuba lo msebenzi uwenze ngokwakho kwaye ukhumbule inani elibonakala lilawuleka.
Ifomula yokubala i-Mortgage kwi-Excel
Kwicandelo elithi "Down Payment", bhala isixa-mali sentlawulo yakho ephantsi (ukuba uyathenga) okanye isixa-mali se-equity onayo (ukuba uhlaziya kwakhona). Intlawulo ephantsi yimali oyihlawula ngaphambili kwikhaya, kwaye i-equity yekhaya lixabiso lekhaya, kuthatyathwe into oyityalayo. Ungangenisa isixa sedola okanye ipesenti yexabiso lokuthenga oza kuliyeka.
Inzala yakho yenyanga Ababolekisi bakunika ireyithi yonyaka, ngoko ke kuya kufuneka ulahlule elo nani nge-12 (inani leenyanga ngonyaka) ukuze ufumane ireyithi yenyanga. Ukuba inzala yi-5%, intlawulo yenyanga iya kuba yi-0,004167 (0,05/12 = 0,004167).
Inani leentlawulo kubomi bemali-mboleko Phinda-phinda inani leminyaka kwixesha lakho lemali-mboleko nge-12 (inani leenyanga ngonyaka) ukuze ufumane inani leentlawulo kwimali-mboleko yakho. Umzekelo, imali-mboleko emiselweyo yeminyaka engama-30 iya kuba neentlawulo ezingama-360 (30×12=360).
Le fomyula inokukunceda ukuba ubambe amanani ukuze ubone ukuba yimalini na onokuyenza ukuze uhlawulele ikhaya lakho. Ukusebenzisa isibali sokubambisa kunokwenza umsebenzi wakho ube lula kwaye kukuncede wenze isigqibo sokuba ubeka imali eyaneleyo na okanye unako okanye kufuneka uhlengahlengise ixesha lemali mboleko yakho. Kuhlala kululuvo olulungileyo ukuthelekisa amazinga enzala kunye nababolekisi abaninzi ukuqinisekisa ukuba ufumana esona sivumelwano sikhoyo.
Bankrate Calculator
Faka iinkcukacha zakho kwikhaltyhuleyitha ukuze uqikelele elona xabiso liphezulu lemali-mboleko onokuyiboleka. Emva kokuba ulwenzile ubalo, ungadlulisela iziphumo kwi-Mortgage Comparison Calculator yethu, apho unokuthelekisa zonke iintlobo zemali-mboleko yamva nje.
Le mida ibekwe yi-Central Bank yase-Ireland njengenxalenye yemigaqo ye-macroprudential. Ingqiqo yale migaqo kukuqinisekisa ukuba abathengi banengqiqo xa beboleka, ukuba ababolekisi balumke xa beboleka, kwaye bancede nasekulawuleni ukunyuka kwamaxabiso ezindlu.
Imithetho yediphozithi yeBhanki ePhakathi ifuna idiphozithi eyi-10% kubathengi bokuqala. Ngesicwangciso esitsha soncedo lokuthenga kubathengi bamakhaya amatsha, amagumbi kunye nokuzakhela, unokufumana ukucuthwa kwerhafu nge-10% (ngomda omkhulu we-30.000 euros) yexabiso lokuthenga kwiipropati ezibiza i-euro ezingama-500.000 okanye ngaphantsi.
