I-Calculator yeNtlawulo eNciphayo
Umsebenzi wokuba ubungakanani bemali ehlawulwe kuqala kunye nemali efunekayo kwixabiso lekhaya elinikezelwe.
Iinketho ze projekti
Malunga nale Calculator
A down payment calculator turns a home price and a down payment percentage into the cash you need up front and the loan you must finance. It also adds estimated closing costs to show the total cash needed at closing, and flags whether you are likely to owe private mortgage insurance (PMI).
The maths is direct: down payment = price × percent, and the loan is the rest. On a 350,000 home, a 20% down payment is 70,000, leaving 280,000 to finance; with closing costs of, say, 3% (10,500), you would need about 80,500 in cash at closing. Because the down payment here is 20% or more, no PMI is flagged — drop below 20% and the tool warns that PMI is likely.
Use it to work out how much to save before buying, to compare a 5%, 10% and 20% down payment side by side, or to see how a bigger deposit shrinks both the loan and the monthly payment. A larger down payment lowers interest paid and can remove PMI, but keep enough cash in reserve for moving costs and emergencies.
Imibuzo ebuza rhoqo
Ndifuna ukufaka imali eninzi kangakanani?
Oku kuxhomekeke kwimali ethethwayo, kodwa iipesenti ezingama-20 azifaki i-inshorensi yetyala kwimali ethethwayo, ngelixa iinkqubo ezininzi zivumela iipesenti ezingama-3-5. Kwindlu enexabiso elimalunga ne-350 000, iipesenti ezingama-20 zithetha ukuba i-70 000 iphantsi kwaye i-280 000 ihlawulwe.
Yintoni i-PMI yaye ndiyihlawula nini?
Isiqinisekiso semali encinci eyenziweyo sikhusela umnikeli xa uhlawula ngaphantsi kwe-20%. Kuyinto ethe yathethwa ngayo iindleko zenyanga eziya kuphuma xa uqala ukwakha i-20% yemali epheleleyo, ngoko ke uhlawula ngaphezu kwayo yonke intlawulo ekufuneka uyihlawule.
Yintoni iindleko zokuvala kwaye zixabisa malini?
Iindleko zokuvala ziintlawulo zokugqiba ukuthengiswa—iindleko zomnikeli, isihloko, uvavanyo, iirhafu nezinye izinto—zihlala zimalunga ne-2-5% yexabiso. Zihlukile kwimali ehlawulwe ngaphambili, ngoko ke ufake iphesenti ukuze ubone imali epheleleyo oyifunayo xa uvala.
Ingaba kufuneka i-20% yokungena?
Akukho nto. Iipesenti ezimashumi amabini zithintela i-PMI kwityala eliqhelekileyo kwaye zinyusa uhlawulwe, kodwa iinkqubo ezininzi zetyala zifumana ngaphantsi kakhulu—zihlala ziyi-3-5%, kwaye ezinye izimali ezixhaswa ngurhulumente zincinci. Uhlawula phantsi okuncinci kwenza ukuba ufike ngokukhawuleza kwityala eliphantsi le-PMI kunye nenzuzo eninzi.
Ndimele ndibeke ntoni?
Kufuneka ugcine imali eyaneleyo ukuze uhlawule ngokukhululekileyo kwaye, ukuba kunokwenzeka, ufike kwi-20% uze ushiye i-PMI— kodwa ungabi mkhulu kakhulu ukuze usebenzise imali yakho yengxabano. Ubunzima benzuzo ne-PMI ongayigcinayo kukugcina imali ekhoyo ecaleni kweenkqubo zokubuyisela kunye neemali ezingalindelekanga.
Ingaba ukuhlawula kuqala okuninzi kunyusa ukuhlawula kwam kwenyanga?
Ewe. Ukufumana ityala elincinci kuthetha ukuba utyala luncinci, ngoko ke ixabiso eliphambili lenyanga kunye nenzuzo kunye nenzuzo epheleleyo kwityala liphantsi. Ukufikelela kwi-20% kususa i-PMI yenyanga, ikhuphe ityala.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
GET https://calculator.free/api/v1/down-payment/curl
curl "https://calculator.free/api/v1/down-payment/?price=350000&percent=20"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/down-payment/?" + new URLSearchParams({
"price": "350000",
"percent": "20"
}));
const data = await r.json();
console.log(data.results);Results are estimates for general guidance only, not financial, medical or tax advice.