SA Homeland Properties

Annual Savings/(Cost) of Owning vs. Renting (Renting Cost less Owning Cost):

12,614

Assumptions

Rate of Return on Investments:

Marginal Income Tax Rate (your combined Federal and State tax rate):

Estimated Annual Appreciation of Home:

Down Payment on Home (funds available for down-payment):

Estimated Closing Costs:

Estimated Purchase Price of Home:

Monthly Rent Currently Paying:

Cost of Renting

Annual Rent (Monthly Rent X 12):

12,000

Renter’s Annual Insurance Premium (if any):

Total Annual Cost of Renting

12,325

Cost of Buying

Mortgage Loan Amount:

122,400

Annual Interest Rate:

Term of Mortgage (in years):

Monthly Mortgage Payment:

761

Annual Mortgage Payment:

9,128

Annual Property Taxes:

Annual Homeowner’s Insurance Premium:

Estimated Annual Maintenance Cost:

Cost of Using Savings (Down Payment + Closing Cost X Investment Rate):

241

Total Cost of Buying

11,869

Less Adjustments

First Year Principal Reduction in Mortgage (increases annually):

560

Income Tax Savings of Interest Deductions Based on Marginal Tax Rate:

3,084

Income Tax Savings of Property Tax Costs:

360

Total Adjustments:

4,004

Annual after-tax Cost of Homeownership (Cost of Buying Less Total Adjustments):

7,865

Your Profit

Estimated First Year Appreciation in Home Value:

8,154

Net Annual Cost of Homeownership (After Tax Cost less Appreciation):

(289)

Annual Savings/(Cost) of Owning vs. Renting (Renting Cost less Owning Cost):

12,614

Porque Rentar Cuando Usted Puede Comprar?

Sabia usted que nuestro gobierno le paga a usted por ser propietario de casa?

Entre su informacion en las zonas de color rosa. Los resultados de sus ahorros estan mostrados en las zonas de color amarillas.

Ahorros/(Coste) anuales de poseer contra alquilarse (que alquila coste menos coste que posee):

12,614

Asunciones

Tasa de rendimiento en las inversiones:

Impuesto sobre ingresos en margen (tarifa combinada de impuestos federales y estatales):

Estimacion annual de la valorizacion de su casa:

Enganche por casa (Fondos disponibles para pago de enganche):

Estimacion de costos de cierre:

Estimacion por Precio de compra de su casa:

Pago de Arrendamiento mensual:

Costo de arrendamiento

Arrendamiento anual (renta mensual X 12):

12,000

Prima anual de suguro al arrendador:

Costo total anual por arrendamiento

12,325

Costo de compra

Cantidad de prestamo hipotecario:

122,400

Tarifa de interes anual:

Terminos hipotecarios (calculado en años):

Pago hipotecario mensual:

761

Pago hipotecario anual:

9,128

Impuestos de propiedad anuales:

Prima anual de seguro al propietario:

Estimacionanual por Costos de mantenimiento:

Costo por uso de cuanta de ahorros (pago de enganche + costos de cierre X tarifa de inversion):

241

Costo total por compra

11,869

Menos el ajuste

Reduccion de capital Hipotecario por primer año (incremento anual):

560

Ahorro de impustos en base y deduccion de interes sobre la tarifa de impuesto marginal:

3,084

Ahorro de impuestos por costos de propiedad:

360

Total de ajuste:

4,004

Costo anual despues de impuestos al propietario (Costo de compra menos el total de ajuste):

7,865

Su ganancia

Estimacion de valorizacion de su casa por el primer año:

8,154

Costo anual neto por posecion (Costo despues de impuestos menos valorizacion):

(289)

Ahorros/(Coste) anuales de poseer contra alquilarse (que alquila coste menos coste que posee):

12,614

Disclaimer

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