Home Equity کا حساب کیسے لگائیں
Home Equity کیا ہے؟
Home equity is the portion of your property you truly own — the difference between its current market value and the outstanding mortgage balance. It builds over time as you pay down the loan and as the property appreciates.
فارمولا
Equity = Current market value − Outstanding mortgage balance
- E
- Home Equity ($)
- V
- Current Market Value ($)
- M
- Outstanding Mortgage Balance ($)
مرحلہ وار گائیڈ
- 1Equity = Home Value − Mortgage Balance
- 2LTV (Loan-to-Value) = Mortgage ÷ Home Value × 100
- 3Borrowable equity is typically capped at 85% LTV
- 4Appreciation increases equity passively over time
حل شدہ مثالیں
ان پٹ
Home worth $400,000, mortgage $250,000
نتیجہ
$150,000 equity, 62.5% LTV — healthy position
ان پٹ
Home worth $300,000, mortgage $285,000
نتیجہ
$15,000 equity, 95% LTV — limited borrowing power
اکثر پوچھے جانے والے سوالات
How do I build home equity faster?
Make extra principal payments, maintain and improve the property, and wait for appreciation. Each action directly increases your ownership stake.
Can I borrow against my home equity?
Yes, through a home equity loan or HELOC (home equity line of credit), typically up to 85% of your home's value minus the mortgage.
What is LTV and why does it matter?
LTV (Loan-to-Value) is the mortgage as a percentage of home value. Lenders prefer lower LTV because it means you have more equity and are less likely to default.
حساب کے لیے تیار ہیں؟ مفت Home Equity کیلکولیٹر آزمائیں۔
اسے خود آزمائیں →