Ric Inting Cebu City Real Estate Guiding you achieve wealth & success in Real Estate

How Much Can You Afford?


 
Our calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs.  To email yourself a copy of the results, click the Receive this Detailed Analysis link.

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home: 
Down Payment:   
Annual Insurance:   
Estimate Insurance to 0.43% of Cost
Annual Property Tax:   
Estimate Tax to 1.2% of Cost
Monthly Income: 
Monthly Debt: 
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees: 
Results
  Receive this Detailed Analysis

Your Monthly Payments
 
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
 
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: 
Annual Rental Increases:  %
Monthly Renter Insurance: 
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %

Yahoo News - Latest News & Headlines

Sanders Lashes Comey For 'Corruption' After He Slams Spineless GOP On 'Lying' TrumpWhite House Press Secretary Sarah Huckabee Sanders launched a scathing,


12/17/2018 8:16:22 PM

The Latest: Portions of FBI interview with Flynn releasedWASHINGTON (AP) — The Latest on former national security adviser Michael Flynn (all times local):


12/17/2018 6:13:42 PM

Kosovo says army 'irreversible' ahead of UN meetingKosovo's president said the country's decision to build an army was "irreversible" before heading to a UN Security Council meeting on Monday about the move, which has drawn the ire of former war foe Serbia. The Kosovo parliament's Friday vote to transform a lightly-armed emergency force into a standing army was carried out with strong support from the United States, which hailed the move as historic. At Serbia's request, the UN Security Council will hold a public meeting on the issue Monday.


12/16/2018 6:29:59 PM

Putin says Russia can easily make intermediate-range missiles if U.S. quits nuclear treatyPresident Vladimir Putin said on Tuesday that Russia could easily make and deploy land-based intermediate-range missiles if the United States made good on a threat to quit a landmark nuclear arms control treaty. The United States has accused Russia of flouting the Intermediate-range Nuclear Forces Treaty signed by Washington and Moscow during the Cold War and has said it will quit it unless Russia comes back into compliance.


12/18/2018 6:00:07 AM

Poll: Americans don't want another government shutdown, will blame the GOPA USA TODAY/Suffolk University Poll shows Americans do not want to see another government shutdown by a double-digit margin.


12/17/2018 2:02:30 PM

Dogs Thrown From Vehicle On New York Highway, Police SayTwo beagle mixes are recovering after authorities said they were tossed from a


12/16/2018 6:28:00 PM

Fleeing home alone: the migrant children blocked at Mexican borderGuatemalan children caught in Mexico while trying to migrate into the US, queue before climbing into a minibus at Aurora international airport in Guatemala City. For years, Dora waited impatiently to turn 15, the age her mother had agreed she would be old enough to leave their home in El Salvador – where she suffered physical and sexual abuse at the hands of her grandfather – and head to the US, in search of a new life. “Seeing them leave together … that gave me hope and gave me the courage to finally leave,” said Dora, who is now living at a children’s shelter in Tijuana, on the border with California.


12/18/2018 1:30:00 AM

Fierce clashes in Hodeidah cast doubt over ceasefireFierce clashes broke out in Yemen’s crucial port city of Hodeidah on Sunday, leading UN and Yemeni officials to delay the "official" start of the hard-fought ceasefire agreed last week. Residents reported skirmishes on the outskirts of town with missiles and automatic gunfire heard near the city's eastern 7th July suburb.  Unconfirmed television reports said that the Saudi-led coalition had launched two airstrikes on Ras Isa, a port north of Hodeidah. On Thursday, the Iran-aligned Houthi rebels agreed to a UN-brokered truce in Hodeidah with the Saudi-led coalition that backs the official government of Abd-Rabbu Mansour Hadi.  UN officials said it was necessary to delay the implementation of the ceasefire until December 18th to convey orders to troops on the ground.  On Sunday afternoon, UN Yemen envoy Martin Griffiths issued a plea to both to “respect their obligations as per the text and the spirit of the Stockholm Agreement” and “engage in the immediate representation of its provisions.” "Without peace, we will be facing in 2019 a much worse situation than today" as a result of food shortages, warned UN chief Antonio Guterres on Sunday. Hodeidah is almost completely controlled by the Houthis, and their withdrawal from key positions like the port is one of the central components of the UN-brokered deal reached last week in Sweden. By moving units away from the Red Sea port, international officials hope to get desperately needed food and aid into the country to ease Yemen’s festering humanitarian crisis. Under the deal, which could create the breathing space for meaningful peace talks, international monitors are to be deployed in Hodeidah to observe as all armed forces pull back completely within 21 days of the start of the ceasefire. Skirmishes and clashes like those seen in Hodeidah over the past two days are not in themselves a sign that the ceasefire is doomed, said independent Yemen analyst Hisham Al-Omeisy. “Even in previous ceasefires, there was a huge de-escalation infighting, but still sporadic fighting here and there, like we’ve seen over the past few days,” he told the Telegraph. He cited recent conversations with Houthi contacts where the atmosphere in Hodeidah was cited as “toxic” and characterised by a deep mistrust of the Saudi-led coalition. A rise in looting by Houthi forces, he said, showed "bad faith" ahead of the agreed withdrawal. 


12/16/2018 11:19:04 AM

Top Democrat Schiff Adds Call for Probe of Trump, Deutsche Bank LinksRepresentative Adam Schiff of California said on NBC’s “Meet the Press” Sunday that any type of compromise needs to be investigated. Schiff’s comments came three days after Wall Street critic Elizabeth Warren of Massachusetts and fellow Senate Democrat Chris Van Hollen called for a Banking Committee investigation of Deutsche Bank’s compliance with U.S. money-laundering regulations.


12/16/2018 2:25:20 PM

Chris Matthews Predicts Trump Could Resign ‘In The Coming Weeks’MSNBC's Chris Matthews said Monday that President Donald Trump could resign as


12/18/2018 1:35:59 AM

Contacts


Ric Inting, Broker-CIPS
6332-253-8739(Office)
6332-272-7384(Home)
63917-546-7098(Cell)
6332-254-6073(Fax)

Ground Flr.Geson Bldg.,Jakosalem St., Ramos,
Cebu City, Cebu, 6000
Philippines


Calculators


Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

 

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

 

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home: 
Down Payment:   
Annual Insurance:   
Estimate Insurance to 0.43% of Cost
Annual Property Tax:   
Estimate Tax to 1.2% of Cost
Monthly Income: 
Monthly Debt: 
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees: 
Results
  Receive this Detailed Analysis

Your Monthly Payments
 
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
 
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: 
Annual Rental Increases:  %
Monthly Renter Insurance: 
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %

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