Jak vypočítat Equity
Co je Equity?
Home equity is the portion of property value you own: current market value minus outstanding mortgage balance. Equity grows as you repay the mortgage and as property values rise.
Vzorec
Home equity = Current market value − Outstanding mortgage balance; Equity % = Equity / Current value × 100%; LTV = Mortgage / Current value × 100%
- V
- Current market value (Currency)
- M
- Outstanding mortgage balance (Currency)
- E
- Home equity (Currency)
Průvodce krok za krokem
- 1Equity = Current value − Mortgage balance
- 2Equity % = Equity / Value × 100
- 3LTV = Mortgage / Value × 100
- 4HELOC lets you borrow against equity up to ~80% LTV
Worked Examples
Vstup
Home $420k, mortgage $260k
Výsledek
Equity = $160k (38.1%); LTV = 61.9%
Frequently Asked Questions
Does equity increase automatically?
Two ways: (1) Paying principal reduces mortgage balance. (2) Home price appreciation increases value. Both grow equity. Price drops reduce it (negative equity possible).
What's the maximum I can borrow against equity?
Typically 80–85% LTV for HELOC or home equity loan. So a $300k home with $100k equity may let you borrow $140k (50% LTV cushion).
Is accessing equity via HELOC a good idea?
It's a tool. Low rates make it attractive for debt consolidation, repairs, or investments. But spending equity on consumption is risky—you're leveraging your home.
Jste připraveni počítat? Vyzkoušejte bezplatnou kalkulačku Equity
Zkuste to sami →