I-Calculator yokukhokha
Umsebenzi isilinganiso semali yokukhokha kanye nemali yokukhokha edingekayo ngentengo enikezelwe yekhaya.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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 ebuzwa kaningi
Ingabe ngidinga ukukhokha imali encane?
Kuxhomekeka kulowo mholo, kodwa amaphesenti angama-20 angeke asebenzise i-inshurensi ye-hypothecary kulowo mholo ojwayelekile, kanti amaphrojekthi amaningi avumela amaphesenti angama-3-5. Ekhaya elinomholo we-350,000, amaphesenti angama-20 azoba ngamaphesenti angama-70,000 ngezansi kanye namaphesenti angama-280,000 akhokhelwe.
Yini i-PMI nokuthi ngizokhokha nini?
I-inshurensi ye-private mortgage ivikela umqashi uma ukhokha ngaphantsi kuka-20%. Kuyinto engeza imali ekhokhwa ngenyanga evame ukususwa uma ukwakha i-20% yemali ekhokhwayo, ngakho-ke ukhokha ngaphezu kwe-20% kungayisusa ngokuphelele.
Yini izindleko zokuvala futhi zibiza malini?
Ukuvala izindleko yimali ukuqedela ukuthenga - izindleko umqashi, isihloko, ukuqapha, izikebhe kanye nezinye - futhi ngokuvamile uhamba mayelana 2-5% yentengo. Bahlukaniswe kusuka ubhaliso, ngakho faka inani elilodwa ukuze ubone imali egcwele ofuna ekuvukeni.
Ingabe kudingeka imali-mboleko engu-20%?
Akukho. Izigidi ezingama-20 zivimbela i-PMI ku-akhawunti ye-akhawunti ejwayelekile futhi ikhuphula inkokhelo, kodwa amaphrojekthi amaningi e-akhawunti a aceptaka kakhulu - ngokuvamile 3-5%, namanye ama-akhawunti e-akhawunti exhaswe yi-hulumeni aphansi. I-akhawunti encane yokukhokha ithola wena ngokushesha kuzindleko ze-PMI nenzuzo eningi.
Ingabe ngizobeka imali encane?
Kunembile ukugcina ukukhokha ekhululekile futhi, ideally, ukufinyelela 20% futhi uhambe PMI - kodwa hhayi kakhulu ukuthi uphuze imali yakho yengcindezi. Ubunzima izimali kanye PMI ugcine ukuvikela imali engenayo esandla ukulungisa kanye nezindleko ezingalindelekile.
Ingabe ukukhokha okuncane kwenza ukuthi ngikhokhe imali encane ngenyanga?
Yebo. Ukwehla okukhulu kwemali kufakazela ukuthi izimali zincane, ngakho-ke izimali eziyinhloko zonyaka kanye nezimali ezikhokhelwa ngemali ziphansi. Ufike ku-20% kuzosusa nezindleko ze-PMI zonyaka, kunikeze ukukhokha okuncane.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.