Kikokotoo cha kukodi au kununua

Jinsi ya kufanya

1. 1
   Jaza visanduku

   Andika namba zako au chagua chaguo unazohitaji.

2. 2
   Angalia matokeo

   Jibu husasishwa mara moja unapobadilisha thamani.

3. 3
   Litumie

   Nakili matokeo au yaandike. Hakuna kinachotumwa popote.

About this tool

Enter the home price, down payment percent, mortgage rate, current rent, years you will stay, price growth and property tax rate. The calculator compares net ownership cost (interest, tax, upkeep, selling and buying costs, minus price gain) with the rent you would pay.

What it compares

Ownership costs include mortgage interest, property tax, upkeep of 1 percent a year, closing costs and 6 percent selling costs, offset by any rise in home value. Renting costs the rent, rising 3 percent a year. Principal repaid is not a cost because it builds equity you get back.

Example

For a $400,000 home with 20 percent down at 6.5 percent against $2,200 rent over seven years, the result depends strongly on price growth, which is why the tool lets you change it.

Tips

The longer you stay, the better buying tends to look because the one-off costs spread out. Include the return you could earn by investing the down payment as a comparison.

Mfano uliotatuliwa

With the boxes at their starting values (Home price: 400000; Down payment (%): 20; Mortgage rate (%): 6.5; Monthly rent now: 2200; Years you will stay: 7; Home price growth per year (%): 3), the tool shows: Net cost of owning: 150,399; Total rent paid: 202,289; Equity you would hold after selling costs: 173,101; Buying is cheaper by: 51,890. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

Vidokezo vya matokeo bora

Angalia kila kisanduku kabla ya kuamini matokeo, kwa sababu nambari moja isiyo sahihi hubadilisha jibu zima. Tumia nambari kamili kutoka kwenye hati ya mshahara, ankara, cheti au mkataba na uandike tarehe uliyohesabu. Viwango, vizingiti na sheria hubadilika mara kwa mara, kwa hivyo kwa kodi, ada na masuala ya kisheria chukulia matokeo kuwa makadirio na uyathibitishe na chanzo rasmi kilichotajwa kwenye ukurasa huu. Unaweza kujaribu hali nyingi unavyotaka; hakuna kinachohifadhiwa wala kutumwa na kupakia upya ukurasa husafisha visanduku.