为买房而存钱的策略
Work hard — and smart — to stash what you need for a down payment for a home.
Saving for a down payment on a house can have many rewarding benefits. 例如, a higher down payment for a house can help you qualify for better mortgage rates, 更低的付款或更昂贵的房子. You’ll save exponentially if you can put a 20% down payment on a house. This is not only because you won’t pay interest on the portion that you didn’t have to finance, 但你也会避免 采购经理人指数 (private mortgage insurance), which would be one less payment to make. 为首付存钱需要努力, so 在这里 are some tips that could help you with your down payment goal.
找到你的抵押贷款的大致范围
An online mortgage calculator will estimate what you can spend. Even though your payments will stay the same over the years with a fixed rate mortgage, 其他与房子相关的开支可能会改变. Make sure you budget to afford other expenses such as the taxes, 水电费及维修费用, 所有这些都可能随着时间的推移而上升. 有 购买过程中的成本 还有，比如检查.
提高你的首付
如果你能支付房价的20%, you’ll get a better interest rate and eliminate 采购经理人指数, 这会增加你的月供吗. If you can’t, you’re not alone — the average down payment was 据报道约为12%. Once you have paid off 20% of the home’s appraised value, 你应该要求删除采购经理人指数, 哪个能帮你省更多钱.
Take small, smart steps to accumulate a down payment for a house
有一个习惯你可以早点改掉 购房流程:外出就餐- 把钱收起来 在一个房屋储蓄基金里. 带午餐去上班 而不是零售购买你的食物. 也在其他地方寻找储蓄. When your car dies, buy a used car rather than a new replacement.
计算如何省钱
Deciding how much down payment you want to save can get complicated. 你想存多少首付款? 你想存多少时间? How much are you willing to sacrifice to save that amount? 回答这些问题涉及很多内容. 有一个计算器可以帮到你. 取代“退休年龄”部分, just put the age you want to be when you have that amount saved and 这个计算器 can show you how moving those 'levers' can affect your goals.
Leave enough room in your budget to pay ahead on your loan
While a fixed 15-year loan nets a lower interest rate, a 30-year loan gives you more wiggle room. In either case, paying extra towards principal can save thousands. 看看你的贷方是否提供双周计划, which is a budget-friendly way to pay towards your principal by making bi-weekly mortgage payments. 每两周付款一次, you'll make one additional mortgage payment each year, 哪些可以应用于本金. This allows you to pay off your home early and pay a lot less in interest over the course of the loan.
现在就为家里的东西做预算
In addition to saving for a down payment, save for paying for the house and its upkeep now. 搜索 online to discover the life expectancy of home systems, and start stashing away money to help when it’s time to replace big-ticket items 比如中央空气或屋顶.
状态 and federal programs offer grants (yes, free money) and more. 一个你.S. Department of Agriculture program requires no down payment in designated rural areas. 和 U.S. 住房和城市发展部(HUD) 提供教师, 执法人员, firefighters and emergency medical technicians a 50% discount on homes in revitalization areas. Check the HUD website for assistance programs by state. And after you have decided to purchase a house, feel free to contact a 状态 Farm®代理 来帮助你保护你的家和你的财产.
