Published 12/2022MP4 | Video: h264, 1280x720 | Audio: AAC, 44.1 KHzLanguage: English | Size: 1.05 GB | Duration: 1h 37m
Plan your mortgage in advance What you'll learn Plan your mortgage payments in advance (fixed monthly payment or fixed principal payment) Looking at future interest rate changes Choosing the property that you can afford Learn how to save money and be better prepared to deal with any financial setbacks Learn how to make important housing and property finance decisions Requirements No prerequisites Description You may have been thinking about buying a home for quite some now and thinking about going to get a mortgage for your home or property, but something is pulling you away from doing so. Whether it's been the unaffordability of your housing market or the uncertainty of your employment situation. In this situation you need to be well informed of what is going to happen from the day you get a mortgage until the day you pay back all your debts. You need to be aware that it's not always going to go as you think it might go, you need to have more than one scenario with real numbers telling you how your mortgage is going to go for the total loan period. This course will help you estimate what home you can afford so you can know how much money you need to set aside. The course will also help you estimate your mortgage payments from today until the ending of your loan period. We will apply different scenarios for different interest rate to see how this affects our mortgage and to see how much of interest we will be paying after 20, 25 or even 30 years. The course will look at fixed monthly payment and fixed principle payments with fixed rate or variable rate mortgages. Overview Section 1: Introduction Lecture 1 What is a Mortgage Lecture 2 Debt Service Ratio Section 2: Fixed Monthly Payment Lecture 3 Input Table In Excel Lecture 4 Amortization Table Lecture 5 Interest Paid Lecture 6 Principal Paid Lecture 7 Bning and Ending Balance Lecture 8 Total Payments Section 3: Debt Service Ratio Lecture 9 GDSR and TDSR Lecture 10 Making Changes Section 4: Equal Principal Payment Lecture 11 Monthly Payments Lecture 12 Bning and Ending Balance Lecture 13 GDSR and TDSR Section 5: How to Pay Less Interest Lecture 14 Double Payments Lecture 15 Yearly Payments Section 6: Looking at Different Scenarios Lecture 16 Changes In Interest Rates Lecture 17 Changes In Total Payment Lecture 18 Changes In Monthly Payment Section 7: Goal Seek Lecture 19 Which Interest Rate Can I Afford Lecture 20 Which Property Can I Afford Lecture 21 Change My Yearly Payment Lecture 22 Change Loan To Value Ratio Section 8: Thank you Lecture 23 Ready Template As a Thank You Estimating how much real estate you can afford and plan out and estimate your mortgage payments from today until your ending period. HomePage:
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