KJE.Default.TaxRate=25;KJE.Default.TaxRateRetire=15;KJE.Default.TaxRateCapGain=15;KJE.Default.StateTaxRate=8;KJE.Default.IncomeTaxTableTaxYear="Puede utilizar la siguiente tabla para ayudarle a determinar su actual tasa de impuesto.
Tasa Contributiva | Casado rindiendo juntos o Viudo | Soltero | Jefe de Familia | Casado rindiendo Separado |
---|---|---|---|---|
10% | $0 - $18,550 | $0 - $9,275 | $0 - $13,250 | $0 - $9,275 |
15% | $18,550 - $75,300 | $9,275 - $37,650 | $13,250 - $50,400 | $9,275 - $37,650 |
25% | $75,300 - $151,900 | $37,650 - $91,150 | $50,400 - $130,150 | $37,650 - $75,950 |
28% | $151,900 - $231,450 | $91,150 - $190,150 | $130,150 - $210,800 | $75,950 - $115,725 |
33% | $231,450 - $413,350 | $190,150 - $413,350 | $210,800 - $413,350 | $115,725 - $206,675 |
35% | $413,350 - $466,950 | $413,350 - $415,050 | $413,350 - $441,000 | $206,675 - $233,475 |
39.6% | más de $466,950 | más de $415,050 | más de $441,000 | más de $233,475 |
Tasa Contributiva | Casado rindiendo juntos o Viudo | Soltero | Jefe de Familia | Casado rindiendo Separado |
---|---|---|---|---|
10mor | $0 - $18,650 | $0 - $9,325 | $0 - $13,350 | $0 - $9,325 |
15% | $18,650 - $75,900 | $9,325 - $37,950 | $13,350 - $50,800 | $9,325 - $37,950 |
25% | $75,900 - $153,100 | $37,950 - $91,900 | $50,800 - $131,200 | $37,950 - $76,550 |
28% | $153,100 - $233,350 | $91,900 - $191,650 | $131,200 - $212,500 | $76,550 - $116,675 |
33% | $233,350 - $416,700 | $191,650 - $416,700 | $212,500 - $416,700 | $116,675 - $208,350 |
35% | $416,700 - $470,700 | $416,700 - $418,400 | $416,700 - $444,550 | $208,350 - $235,350 |
39.6% | más de $470,700 | más de $418,400 | más de $444,550 | más de $235,350 |
*Cuidado: No utilice estas tasas contributivas para computar los impuestos del 2016. Solo utilicemos para calcular estimados para el 2017. http://www.irs.gov |
Es importante recordar que el por ciento de rendimiento futuro no se pueden predecir con certeza y que las inversiones que pagan un por ciento de rendimiento mayor están sujetos a un mayor riesgo y volatilidad. El por ciento de rendimiento real puede variar extensamente durante el su vida, especialmente en inversiones a largo plazo, incluyendo una potencial perdida de principal de su inversión.');KJE.parameters.set("MSG_CHART_SELECTION","Selección De Gráfica:");KJE.parameters.set("MSG_CLOSING_COSTS","Total de gastos de cierre");KJE.parameters.set("MSG_CMHS_PREMIUM","CMHC Premium");KJE.parameters.set("MSG_DESC1","La compra de su casa no alcanza el punto de equilibrio hasta después de LENGTH_OF_LOAN años. Usted debe considerar continuar alquilando.");KJE.parameters.set("MSG_DESC2","Si usted no puede permanecer en su casa por lo menos BREAKEVEN_YEARS años, entoces usted debería considerar continuar alquilando.");KJE.parameters.set("MSG_DOWNPAYMENT","Pago inicial");KJE.parameters.set("MSG_DOWNPAYMENT_CLOSING_CASH","Dinero en efectivo disponible");KJE.parameters.set("MSG_ERROR1","Usted no tiene suficiente dinero en efectivo para cubrir sus gastos de cierre.");KJE.parameters.set("MSG_GRAPH1","Pagos mensuales anticipados por 10 años");KJE.parameters.set("MSG_GRAPH10","Capital acumulado en la casa");KJE.parameters.set("MSG_GRAPH11","Neto después de comisión");KJE.parameters.set("MSG_GRAPH12","Capital Acumulado vs. Inversión");KJE.parameters.set("MSG_GRAPH2","Año");KJE.parameters.set("MSG_GRAPH3","Pago neto de la casa");KJE.parameters.set("MSG_GRAPH4","Pago de alquiler");KJE.parameters.set("MSG_GRAPH5","Pago mensual detallado");KJE.parameters.set("MSG_GRAPH6","Pago de la casa");KJE.parameters.set("MSG_GRAPH7","Ahorros en aportes fiscales");KJE.parameters.set("MSG_GRAPH8","Pago sobre el capital");KJE.parameters.set("MSG_GRAPH9","Inversión total");KJE.parameters.set("MSG_HOME_APPRECIATION_RATE","El valor de la casa aumenta al");KJE.parameters.set("MSG_HOME_COMMISION_RATE","Futura comisión de ventas");KJE.parameters.set("MSG_HOME_INSURANCE_RATE","Seguro de la propiedad");KJE.parameters.set("MSG_INFLATION_RATE","Tasa de inflación");KJE.parameters.set("MSG_INTEREST_RATE","Tasa de interés");KJE.parameters.set("MSG_INVESTMENT_RETURN","Ganancia sobre la inversión");KJE.parameters.set("MSG_LABEL3","Limite pago inicial a 20%");KJE.parameters.set("MSG_LABEL4","Pago mensual detallado");KJE.parameters.set("MSG_LABEL5","Pago mensual anticipado");KJE.parameters.set("MSG_LABEL6","Capital Acumulado vs. Inversión");KJE.parameters.set("MSG_LABEL7","Uso del dinero en efectivo disponible");KJE.parameters.set("MSG_LOAN_AMOUNT","Monto del hipotecario");KJE.parameters.set("MSG_LOAN_ORIGINATION_RATE","Costo de generación");KJE.parameters.set("MSG_MONTHLY_PAYMENT","Pago Mensual");KJE.parameters.set("MSG_MONTHLY_PI","Pago Mensual (PI)");KJE.parameters.set("MSG_MONTHLY_RENT","Pago de alquiler mensual");KJE.parameters.set("MSG_NEW_HOME","Is this a new home?");KJE.parameters.set("MSG_OTHER_CLOSING_COSTS","Otros gastos de cierre");KJE.parameters.set("MSG_OTHER_OPTIONS","Otras opciones:");KJE.parameters.set("MSG_PMI_RATE","PMI");KJE.parameters.set("MSG_POINTS_PAID_NBR","Puntos pagados");KJE.parameters.set("MSG_PRICE_OF_HOME","Precio de la casa");KJE.parameters.set("MSG_PROPERTY_TAX_AMT","Impuesto sobre la propiedad");KJE.parameters.set("MSG_PROPERTY_TAX_RATE","Impuesto sobre la propiedad");KJE.parameters.set("MSG_REMAINING_CASH","Efectivo sobrante");KJE.parameters.set("MSG_REPORT_COL1","Núm.");KJE.parameters.set("MSG_REPORT_COL2","Pago de casa (PITI)");KJE.parameters.set("MSG_REPORT_COL3","Pago después de ahorros impositivos");KJE.parameters.set("MSG_REPORT_COL4","Pago de alquiler");KJE.parameters.set("MSG_REPORT_COL5","Valor de la inversión");KJE.parameters.set("MSG_REPORT_COL6","Capital acumulado");KJE.parameters.set("MSG_REPORT_COL7","Año");KJE.parameters.set("MSG_RESULT1","La compra de la casa alcanza el punto de equilibrio después de BREAKEVEN_YEARS años.");KJE.parameters.set("MSG_RESULT2","La compra de la casa no alcanza el punto de equilibrio hasta después de LENGTH_OF_LOAN años.");KJE.parameters.set("MSG_TAX_RATE","Tasa impositiva personal");KJE.parameters.set("MSG_TERM","Término");KJE.parameters.set("MSG_MAINTENANCE","Mantenimiento y cuotas de asociación");KJE.parameters.set("MSG_MONTH","por mes");KJE.parameters.set("MSG_YEAR","Enseñe listado");KJE.parameters.set("MSG_YEAR1","por año");KJE.parameters.set("MSG_YEAR2","por mes");KJE.parameters.set("MSG_TOTAL_CLOSING_COSTS","Total de Gastos de Cierre: KJE1");KJE.parameters.set("MSG_MONTHLY_TOTAL","Pago total mensual: KJE1");KJE.parameters.set("MSG_MONTHLY_RENT_LBL","Pago de alquiler mensual: KJE1");KJE.parameters.set("MSG_DROPPER_PAYMENT","Hipoteca y otros gastos:");KJE.parameters.set("MSG_DROPPER_DOWNPAYMENT","Pago inicial y costos de cierre:");KJE.parameters.set("MSG_DROPPER_RENT","Alquiler, impuestos e inflación:");KJE.parameters.set("MSG_TOTAL_FOR_DOWNPAYMENT","Total para el pago inicial");KJE.MortgageRentvsBuyCalc=function(){this.PROVINCE_SELECTED=-1;this.GROSS_SALE_TAX=0;this.GST_TOTAL_REBATE=0;this.HST_TOTAL_REBATE=0;this.MAINTENANCE=0;this.bUSE_FLEX=false;this.OTHER_CLOSING_COSTS_RATE=0;this.USE_OTHER_FEES_AMOUNT=true;this.LOAN_ORIGINATION_AMT=0;this.PROPERTY_TAX_AMT=0;this.ANNUAL_REPORT_PERIOD=true;this.GST_TAX=0;this.GST_TAX_USE=false;this.TOTAL_CMHC=0;this.RATE_CMHC=0;this.LOAN_TO_VALUE=0;this.TOTAL_ACTUAL_CMHC=0;this.bMORTGAGE_INSURANCE=true;this.PMI_RATE=KJE.parameters.get("PMI_RATE",0.5);this.MONTHLY_PMI=KJE.parameters.getSet("MONTHLY_PMI",0);this.PMI_CALCULATE=KJE.parameters.get("PMI_CALCULATE",true);this.PMI_PERCENTAGE=KJE.parameters.get("PMI_PERCENTAGE",0.2);this.oldLOAN_AMOUNT=0;this.oldDOWNPAYMENT_20=0;this.CMHC_SHOW_ALL_RATES=KJE.parameters.get("CMHC_SHOW_ALL_RATES",false);this.USE_OTHER_FEES_AMOUNT=KJE.parameters.get("USE_OTHER_FEES_AMOUNT",true);this.MSG_RESULT1=KJE.parameters.get("MSG_RESULT1","Your home purchase breaks even in approximately BREAKEVEN_YEARS years.");this.MSG_DESC1=KJE.parameters.get("MSG_DESC1","If you cannot remain in your home for at least BREAKEVEN_YEARS years you should consider continuing to rent.");this.MSG_RESULT2=KJE.parameters.get("MSG_RESULT2","Your home purchase does not break even after LENGTH_OF_LOAN years.");this.MSG_DESC2=KJE.parameters.get("MSG_DESC2","Your home purchase does not break even after LENGTH_OF_LOAN years. You should consider continuing to rent.");this.MSG_ERROR1=KJE.parameters.get("MSG_ERROR1","You do not have enough cash on hand to cover your closing costs.");var a=this.CAMORTGAGE=KJE.parameters.get("CAMORTGAGE",false);this.MSG_REMAINING_CASH=KJE.parameters.get("MSG_REMAINING_CASH","Remaining cash");this.MSG_LOAN_ORIGINATION_RATE=KJE.parameters.get("MSG_LOAN_ORIGINATION_RATE",a?"Mortgage fee":"Loan origination");this.MSG_POINTS_PAID_NBR=KJE.parameters.get("MSG_POINTS_PAID_NBR","Points paid");this.MSG_OTHER_CLOSING_COSTS=KJE.parameters.get("MSG_OTHER_CLOSING_COSTS","Other closing costs");this.MSG_GRAPH3=KJE.parameters.get("MSG_GRAPH3","Net house payment");this.MSG_GRAPH4=KJE.parameters.get("MSG_GRAPH4","Rent payment");this.MSG_GRAPH5=KJE.parameters.get("MSG_GRAPH5","Monthly Payment Breakdown");this.MSG_GRAPH6=KJE.parameters.get("MSG_GRAPH6","House payment");this.MSG_GRAPH7=KJE.parameters.get("MSG_GRAPH7","Initial tax savings");this.MSG_GRAPH8=KJE.parameters.get("MSG_GRAPH8","Initial principal payment");this.DS_RENT=null;this.DS_INVESTMENT_TOTAL=null;this.DS_PMI=null;this.DS_EQUITY=null;this.DS_EQUITY_AFTER_COSTS=null;this.DS_INTEREST=null;this.DS_INSURANCE=null;this.DS_TAXES=null;this.DS_PROPERTY_TAXES=null;this.DS_MONTHLY_TOTAL_PMT=null;this.DS_NET_HOME_COST=null;this.DS_HOME_VALUE=null;this.DS_HOME_EQUITY=null;this.sCat4=new Array((a?4:5));this.DS_G4=KJE.FloatArray((a?4:5));this.cats2=new Array((a?4:5));this.DS_G2=KJE.FloatArray((a?4:5));this.sSchedule=new KJE.Repeating()};KJE.MortgageRentvsBuyCalc.prototype.clear=function(){this.PRICE_OF_HOME=0;this.MAXIMUM_20_DOWN=false;this.DOWNPAYMENT_CLOSING_CASH=0;this.PROPERTY_TAX_RATE=0;this.HOME_INSURANCE_RATE=0;this.INTEREST_RATE=0;this.LENGTH_OF_LOAN=0;this.LOAN_ORIGINATION_RATE=0;this.POINTS_PAID_NBR=0;this.OTHER_CLOSING_COSTS=0;this.TAX_RATE=0;this.MONTHLY_RENT=0;this.INFLATION_RATE=0;this.INVESTMENT_RETURN=0;this.HOME_APPRECIATION_RATE=0;this.HOME_COMMISION_RATE=0};KJE.MortgageRentvsBuyCalc.prototype.calculate=function(S){var d=KJE;var N=this.PRICE_OF_HOME;var A=this.DOWNPAYMENT_CLOSING_CASH;var aa=this.PROPERTY_TAX_RATE;var F=this.HOME_INSURANCE_RATE;var c=this.INTEREST_RATE;var L=this.LENGTH_OF_LOAN;var C=this.LOAN_ORIGINATION_RATE;var j=this.POINTS_PAID_NBR;var g=this.OTHER_CLOSING_COSTS;var h=this.TAX_RATE;var a=this.MONTHLY_RENT;var t=this.INFLATION_RATE;var x=this.INVESTMENT_RETURN;var H=this.HOME_APPRECIATION_RATE;var s=this.HOME_COMMISION_RATE;var b=0;var P=0;var G=0;var I=this.MONTHLY_PMI;var J=0;var z=false;var f=N/2;var v=N;var V=0;var Z=0;var u=N*this.PMI_PERCENTAGE;var ac=this.CAMORTGAGE;if(ac){this.ENTERED_INTEREST_RATE=c;c=(Math.pow(1+(c/200),(1/6))-1)*1200}this.GST_TAX=0;if(ac){var U=KJE.Default.getGST(this.GST_TAX_USE,N,this.PROVINCE_SELECTED);this.GST_TAX=U.N;this.GROSS_SALE_TAX=U.G;this.GST_TOTAL_REBATE=U.R1;this.HST_TOTAL_REBATE=U.R2}while(z==false){this.LOAN_ORIGINATION_AMT=(ac?this.LOAN_ORIGINATION_AMT:v*(C/100));if(!this.USE_OTHER_FEES_AMOUNT){g=d.round((this.OTHER_CLOSING_COSTS_RATE/100)*v,2)}b=v*(j/100);P=this.GST_TAX+b+this.LOAN_ORIGINATION_AMT+g;G=A-P;if((G>u)&&(this.MAXIMUM_20_DOWN==1)&&(!ac)){G=u}if(ac){v=N-G;this.RATE_CMHC=KJE.Default.getCMHCRate(v,G,N,this.bUSE_FLEX,L,this.CMHC_SHOW_ALL_RATES);this.TOTAL_ACTUAL_CMHC=v*this.RATE_CMHC;this.RATE_CMHC=(this.bMORTGAGE_INSURANCE?this.RATE_CMHC:0);this.TOTAL_CMHC=v*this.RATE_CMHC;v=v+this.TOTAL_CMHC}else{this.RATE_CMHC=0;this.TOTAL_CMHC=0}Z=v+G-this.TOTAL_CMHC;if(Math.round(N*1000)==Math.round(Z*1000)){z=true}else{if(N>Z){v+=f}else{v-=f}}if(v<0){v=0}f=(f/2);V++;if(V>50){z=true}}if(G<(ac?KJE.Default.DownpaymentForPurchasePrice(N):0)){throw (KJE.getKJEReplaced(this.MSG_ERROR1,ac?d.dollars(KJE.Default.DownpaymentForPurchasePrice(N),0):""))}if(v==0){G=N}if(ac){I=0}else{if(this.PMI_CALCULATE&&(u!=this.oldDOWNPAYMENT_20||v!=this.oldLOAN_AMOUNT)){if(u>G){I=v*(this.PMI_RATE/1200)}else{I=0}}this.oldLOAN_AMOUNT=v;this.oldDOWNPAYMENT_20=u}var O=N*(F/100);if(!ac){this.PROPERTY_TAX_AMT=N*(aa/100)}var E=O/12;var af=this.PROPERTY_TAX_AMT/12;var p=P+u;var ag=d.round(KJE.PMT(c/1200,L*12,v),2);var r=af+E+ag+I+this.MAINTENANCE;var e=Math.round(L);var ad=0;this.DS_RENT=KJE.FloatArray(e);this.DS_INVESTMENT_TOTAL=KJE.FloatArray(e);this.DS_PMI=KJE.FloatArray(e);this.DS_EQUITY=KJE.FloatArray(e);this.DS_INTEREST=KJE.FloatArray(e);this.DS_INSURANCE=KJE.FloatArray(e);this.DS_TAXES=KJE.FloatArray(e);this.DS_PROPERTY_TAXES=KJE.FloatArray(e);this.DS_MONTHLY_TOTAL_PMT=KJE.FloatArray(e);this.DS_NET_HOME_COST=KJE.FloatArray(e);this.DS_HOME_VALUE=KJE.FloatArray(e);this.DS_HOME_EQUITY=KJE.FloatArray(e);this.DS_EQUITY_AFTER_COSTS=KJE.FloatArray(e);this.cats=["1","2","3","4","5","6","7","8","9","10"];if(S){var D=this.sSchedule;var o=(this.ANNUAL_REPORT_PERIOD?D.sReportCol("
Year",7):D.sReportCol("
Nbr",1));D.clearRepeat();D.addHeader(o,D.sReportCol("House
Payment (PITI)",2),(ac?"":D.sReportCol("Payment
After-Tax Savings",3)),D.sReportCol("Rent
Payment",4),D.sReportCol("Value of
Investment",5),D.sReportCol("Home
Equity",6))}var Y=0;var q=0;var y=0;var w=0;var B=0;var T=0;var R=a;var m=G+P;var l=E;var ah=af;var M=N-v;var W=N;var Q=this.MAINTENANCE;var ab=KJE.ROR_MONTH(x/100);var K=v;var k=(W-K)-(W*s/100);var ae=(W*(H/1200));ad=0;for(var X=1;X<=e*12;X++){if(((X-1)%12)==0&&X!=1){R*=(1+(t/100));l=W*(F/1200);Q*=(1+(t/100));if(ac){ah*=(1+(t/100))}else{ah=W*(aa/1200)}ae=(W*(H/1200))}y=d.round(c/1200*K,2);q=ag-y;K-=q;if(K<0){K=0;q=ag-K-y}if(e*12==X){if(K>0.005){K=0;q=ag+K-y}else{K=0}}if(!ac&&u>(N-K)){if(this.PMI_CALCULATE){Y=v*(this.PMI_RATE/1200)}else{Y=I}}else{Y=0}B=l+ah+y+q+Y+Q;w=(y+ah)*(h/100);m=m*(1+ab)+(B-R-w);T=B-w-q;W+=ae;M=W-K;k=M-(W*s/100);if(J==0){if(k>m){J=(X)/12}}this.DS_RENT[ad]=R;this.DS_PMI[ad]=Y;this.DS_EQUITY[ad]=q;this.DS_INTEREST[ad]=y;this.DS_INSURANCE[ad]=l;this.DS_TAXES[ad]=w;this.DS_PROPERTY_TAXES[ad]=ah;this.DS_MONTHLY_TOTAL_PMT[ad]=B;this.DS_NET_HOME_COST[ad]=T;this.DS_HOME_VALUE[ad]=(W);this.DS_HOME_EQUITY[ad]=(M);this.DS_EQUITY_AFTER_COSTS[ad]=(k);this.DS_INVESTMENT_TOTAL[ad]=(m<0?0:m);if(((X-1)%12)==0&&X!=1){ad++}if(((X%12)==0)||!this.ANNUAL_REPORT_PERIOD){if(S){D.addRepeat((this.ANNUAL_REPORT_PERIOD?ad+1:X),d.dollars(B,2),(ac?"":d.dollars(T+q,2)),d.dollars(R,2),d.dollars(m),d.dollars(k))}}}this.HOME_INSURANCE_AMT=O;this.POINTS_PAID_AMT=b;this.TOTAL_CLOSING_COSTS=P;this.TOTAL_FOR_DOWNPAYMENT=G;this.LOAN_AMOUNT=v;this.DOWNPAYMENT_20=u;this.CLOSING_CLOSING_COSTS_20=p;this.HOME_INSURANCE_MONTHLY=E;this.PROPERY_TAX_MONTHLY=af;this.MONTHLY_PI=ag;this.MONTHLY_PMI=I;this.MONTH_PMI_EXEMPT=(G>=u);this.MONTHLY_TOTAL_PMT=r;this.BREAKEVEN_YEARS=J;X=0;this.DS_G4[X]=this.TOTAL_FOR_DOWNPAYMENT;this.sCat4[X++]=this.MSG_DOWNPAYMENT+" "+d.dollars(this.TOTAL_FOR_DOWNPAYMENT);this.DS_G4[X]=this.LOAN_ORIGINATION_AMT;this.sCat4[X++]=this.MSG_LOAN_ORIGINATION_RATE+" "+d.dollars(this.LOAN_ORIGINATION_AMT);if(!ac){this.DS_G4[X]=this.POINTS_PAID_AMT;this.sCat4[X++]=this.sCat4[2]=this.POINTS_PAID_NBR+" "+d.dollars(this.POINTS_PAID_AMT)}this.DS_G4[X]=this.OTHER_CLOSING_COSTS;this.sCat4[X++]=this.MSG_OTHER_CLOSING_COSTS+" "+d.dollars(this.OTHER_CLOSING_COSTS);this.DS_G4[X]=(this.DOWNPAYMENT_CLOSING_CASH-this.TOTAL_CLOSING_COSTS-this.TOTAL_FOR_DOWNPAYMENT);this.sCat4[X]=this.MSG_REMAINING_CASH+" "+d.dollars(this.DOWNPAYMENT_CLOSING_CASH-this.TOTAL_CLOSING_COSTS-this.TOTAL_FOR_DOWNPAYMENT);this.RESULT_MESSAGE_MAIN=this.MSG_RESULT2;if(this.BREAKEVEN_YEARS>0&&this.BREAKEVEN_YEARS<=this.LENGTH_OF_LOAN){this.RESULT_MESSAGE_MAIN=this.MSG_RESULT1}this.RESULT_MESSAGE_MAIN=KJE.replace("BREAKEVEN_YEARS",d.number(this.BREAKEVEN_YEARS,1),this.RESULT_MESSAGE_MAIN);this.RESULT_MESSAGE_MAIN=KJE.replace("LENGTH_OF_LOAN",d.number(this.LENGTH_OF_LOAN),this.RESULT_MESSAGE_MAIN);X=0;this.cats2[X++]=this.MSG_GRAPH4+" "+d.dollars(this.DS_RENT[0]);this.cats2[X++]=this.MSG_GRAPH6+" "+d.dollars(this.DS_MONTHLY_TOTAL_PMT[0]);if(!ac){this.cats2[X++]=this.MSG_GRAPH7+" "+d.dollars(this.DS_TAXES[0])}this.cats2[X++]=this.MSG_GRAPH8+" "+d.dollars(this.DS_EQUITY[0]);this.cats2[X++]=this.MSG_GRAPH3+" "+d.dollars(this.DS_NET_HOME_COST[0]);X=0;this.DS_G2[X++]=this.DS_RENT[0];this.DS_G2[X++]=this.DS_MONTHLY_TOTAL_PMT[0];if(!ac){this.DS_G2[X++]=this.DS_TAXES[0]}this.DS_G2[X++]=this.DS_EQUITY[0];this.DS_G2[X++]=this.DS_NET_HOME_COST[0]};KJE.MortgageRentvsBuyCalc.prototype.formatReport=function(b){var c=KJE;var a=this.iDecimal;var d=b;d=KJE.replace("MSG_INSURANCE_NOT_INCLUDED",(this.TOTAL_CMHC==this.TOTAL_ACTUAL_CMHC?"":KJE.Default.MSG_INSURANCE_NOT_INCLUDED),d);if(this.BREAKEVEN_YEARS>0&&this.BREAKEVEN_YEARS<=this.LENGTH_OF_LOAN){d=KJE.replace("RESULT_MESSAGE_MAIN",this.MSG_RESULT1,d);d=KJE.replace("RESULT_MESSAGE_ADVICE",this.MSG_DESC1,d)}else{d=KJE.replace("RESULT_MESSAGE_MAIN",this.MSG_RESULT2,d);d=KJE.replace("RESULT_MESSAGE_ADVICE",this.MSG_DESC2,d)}d=KJE.replace("PRICE_OF_HOME",c.dollars(this.PRICE_OF_HOME),d);d=KJE.replace("MAXIMUM_20_DOWN",c.yesno(this.MAXIMUM_20_DOWN),d);d=KJE.replace("DOWNPAYMENT_CLOSING_CASH",c.dollars(this.DOWNPAYMENT_CLOSING_CASH),d);d=KJE.replace("PROPERTY_TAX_RATE",c.percent(this.PROPERTY_TAX_RATE/100,3),d);if(!this.GST_TAX_USE){d=KJE.replace("SALES_TAX_EXPLANATION_EXTRA","",d);d=KJE.replace("SALES_TAX_EXPLANATION","",d)}else{if(this.PROVINCE_SELECTED>=0){d=KJE.replace("SALES_TAX_EXPLANATION_EXTRA",KJE.Default.SALES_TAX_EXPLANATION_EXTRA[this.PROVINCE_SELECTED],d);d=KJE.replace("SALES_TAX_EXPLANATION",KJE.Default.SALES_TAX_EXPLANATION,d);d=KJE.replace("PROVINCE_NAME",KJE.Default.PROVINCES[this.PROVINCE_SELECTED],d);d=KJE.replace("SALE_TAX_TYPE",KJE.Default.SALE_TAX_TYPE[this.PROVINCE_SELECTED],d);d=KJE.replace("SALE_TAX_RATE",c.percent(KJE.Default.SALE_TAX_RATE[this.PROVINCE_SELECTED],3),d);d=KJE.replace("GROSS_SALE_TAX",c.dollars(this.GROSS_SALE_TAX),d);d=KJE.replace("GST_TOTAL_REBATE",c.dollars(this.GST_TOTAL_REBATE),d);d=KJE.replace("HST_TOTAL_REBATE",c.dollars(this.HST_TOTAL_REBATE),d);d=KJE.replace("PURCHASE_PRICE",c.dollars(this.PRICE_OF_HOME),d)}else{d=KJE.replace("SALES_TAX_EXPLANATION_EXTRA","",d);d=KJE.replace("SALES_TAX_EXPLANATION",(KJE.Default.GST_SALES_TAX_EXPLAINATION?KJE.Default.GST_SALES_TAX_EXPLAINATION:""),d)}}d=KJE.replace("SALE_TAX_TYPE","GST",d);d=KJE.replace("GST_TAX_RATE",(KJE.Default.GST_TAX_RATE?c.percent(KJE.Default.GST_TAX_RATE,0):""),d);d=KJE.replace("TAX_RATE",c.percent(this.TAX_RATE/100,2),d);d=KJE.replace("HOME_INSURANCE_RATE",c.percent(this.HOME_INSURANCE_RATE/100,3),d);d=KJE.replace("INTEREST_RATE",c.percent((this.CAMORTGAGE?this.ENTERED_INTEREST_RATE:this.INTEREST_RATE)/100,3),d);d=KJE.replace("LENGTH_OF_LOAN",c.number(this.LENGTH_OF_LOAN),d);d=KJE.replace("LOAN_ORIGINATION_RATE",c.percent(this.LOAN_ORIGINATION_RATE/100,3),d);d=KJE.replace("POINTS_PAID_NBR",c.number(this.POINTS_PAID_NBR),d);d=KJE.replace("PMI_RATE",c.percent(this.PMI_RATE/100,3),d);d=KJE.replace("OTHER_CLOSING_COSTS",c.dollars(this.OTHER_CLOSING_COSTS),d);d=KJE.replace("HOME_INSURANCE_AMT",c.dollars(this.HOME_INSURANCE_AMT,2),d);d=KJE.replace("LOAN_ORIGINATION_AMT",c.dollars(this.LOAN_ORIGINATION_AMT,0),d);d=KJE.replace("PROPERTY_TAX_AMT",c.dollars(this.PROPERTY_TAX_AMT,2),d);d=KJE.replace("POINTS_PAID_AMT",c.dollars(this.POINTS_PAID_AMT,2),d);d=KJE.replace("TOTAL_CLOSING_COSTS",c.dollars(this.TOTAL_CLOSING_COSTS+this.TOTAL_CMHC,2),d);d=KJE.replace("TOTAL_FOR_DOWNPAYMENT",c.dollars(this.TOTAL_FOR_DOWNPAYMENT),d);d=KJE.replace("LOAN_AMOUNT",c.dollars(this.LOAN_AMOUNT),d);d=KJE.replace("DOWNPAYMENT_20",c.dollars(this.DOWNPAYMENT_20),d);d=KJE.replace("CLOSING_CLOSING_COSTS_20",c.dollars(this.CLOSING_CLOSING_COSTS_20),d);d=KJE.replace("HOME_INSURANCE_MONTHLY",c.dollars(this.HOME_INSURANCE_MONTHLY,2),d);d=KJE.replace("PROPERY_TAX_MONTHLY",c.dollars(this.PROPERY_TAX_MONTHLY,2),d);d=KJE.replace("MONTHLY_PI",c.dollars(this.MONTHLY_PI,2),d);d=KJE.replace("MONTHLY_PMI",c.dollars(this.MONTHLY_PMI,2),d);d=KJE.replace("TOTAL_CMHC",c.dollars(this.TOTAL_CMHC),d);d=KJE.replace("RATE_CMHC",c.percent(this.RATE_CMHC,2),d);d=KJE.replace("GST_TAX",c.dollars(this.GST_TAX),d);d=KJE.replace("MONTHLY_TOTAL_PMT",c.dollars(this.MONTHLY_TOTAL_PMT,2),d);d=KJE.replace("MONTHLY_TOTAL_PMT",c.dollars(this.MONTHLY_TOTAL_PMT,2),d);d=KJE.replace("MAINTENANCE",c.dollars(this.MAINTENANCE,2),d);d=KJE.replace("MONTHLY_RENT",c.dollars(this.MONTHLY_RENT),d);d=KJE.replace("INFLATION_RATE",c.percent(this.INFLATION_RATE/100,2),d);d=KJE.replace("INVESTMENT_RETURN",c.percent(this.INVESTMENT_RETURN/100,2),d);d=KJE.replace("HOME_COMMISION_RATE",c.percent(this.HOME_COMMISION_RATE/100,2),d);d=KJE.replace("HOME_APPRECIATION_RATE",c.percent(this.HOME_APPRECIATION_RATE/100,2),d);d=KJE.replace("BREAKEVEN_YEARS",c.number(this.BREAKEVEN_YEARS,1),d);d=KJE.replace("TOTAL_ACTUAL_CMHC",c.dollars(this.TOTAL_ACTUAL_CMHC,2),d);if(this.CAMORTGAGE){d=KJE.replace("REQUIRED_DOWNPAYMENT",c.dollars(KJE.Default.DownpaymentForPurchasePrice(this.PRICE_OF_HOME)),d)}d=d.replace("**REPEATING GROUP**",this.sSchedule.getRepeat());this.sSchedule.clearRepeat();return d};KJE.CalcName="¿Alquilar o comprar?";KJE.CalcType="SPMortgageRentvsBuy";KJE.CalculatorTitleTemplate="KJE1";KJE.parseInputs=function(a){a=KJE.replace("**TERM**",KJE.getMortgageTermDrop("TERM",30),a);return a};KJE.initialize=function(){KJE.CalcControl=new KJE.MortgageRentvsBuyCalc();KJE.GuiControl=new KJE.MortgageRentvsBuy(KJE.CalcControl)};KJE.MortgageRentvsBuy=function(o){var g=KJE;var b=KJE.gLegend;var k=KJE.inputs.items;this.MSG_GRAPH12=KJE.parameters.get("MSG_GRAPH12","Home Equity vs. Investment");this.MSG_DOWNPAYMENT=KJE.parameters.get("MSG_DOWNPAYMENT","Down payment");var q=KJE.parameters.get("MSG_TOTAL_CLOSING_COSTS","Total closing costs: KJE1");var h=KJE.parameters.get("MSG_MONTHLY_TOTAL","Monthly house payment: KJE1");var c=KJE.parameters.get("MSG_MONTHLY_RENT_LBL","Monthly rent payment: KJE1");this.MSG_GRAPH1=KJE.parameters.get("MSG_GRAPH1","10 Year Projected Monthly Payments");this.MSG_GRAPH2=KJE.parameters.get("MSG_GRAPH2","Year");this.MSG_GRAPH9=KJE.parameters.get("MSG_GRAPH9","Investment total");this.MSG_GRAPH10=KJE.parameters.get("MSG_GRAPH10","Equity in home");this.MSG_GRAPH11=KJE.parameters.get("MSG_GRAPH11","Net sales price");KJE.MortgageAmtSlider("PRICE_OF_HOME","Purchase price");KJE.MortgageTermDropBoxSlider("TERM","Term in years");KJE.MortgageRateSlider("INTEREST_RATE","Interest rate");KJE.DollarSlider("DOWNPAYMENT_CLOSING_CASH","Cash on hand",0,10000000);KJE.PercentSlider("PROPERTY_TAX_RATE","Property tax rate",0,20,2);KJE.PercentSlider("HOME_INSURANCE_RATE","Home insurance",0,10,2);KJE.Label("LOAN_AMOUNT","Loan amount",null,null,"bold");KJE.Label("MONTHLY_PI","Monthly payment (PI)",null,null,"bold");KJE.Label("TOTAL_FOR_DOWNPAYMENT","Total down payment",null,null,"bold");KJE.DollarSlider("MAINTENANCE","Maintenance/Condo Fees",-10000,10000);KJE.PercentSlider("LOAN_ORIGINATION_RATE","Loan origination",0,5,3);KJE.NumberSlider("POINTS_PAID_NBR","Points paid",-4,8,3,0.5);if(o.USE_OTHER_FEES_AMOUNT){KJE.DollarSlider("OTHER_CLOSING_COSTS","Other closing costs",0,10000)}else{KJE.PercentSlider("OTHER_CLOSING_COSTS","Other closing costs",0,5,2)}KJE.PercentSlider("TAX_RATE","Income tax rate",0,50,2);KJE.DollarSlider("MONTHLY_RENT","Monthly rent payment",10,10000);KJE.DollarSlider("MONTHLY_PMI","Monthly PMI",0,1000,2);if(o.PMI_CALCULATE&&!KJE.parameters.get("PMI_SHOW",false)){k.MONTHLY_PMI.hide()}KJE.InflationRateSlider("INFLATION_RATE","Expected inflation",0,20,2);KJE.InvestRateSlider("INVESTMENT_RETURN","After-tax investment return");KJE.PercentSlider("HOME_APPRECIATION_RATE","Home appreciates at",-10,25,2,1);KJE.InvestRateSlider("HOME_COMMISION_RATE","Future sales commission");KJE.Checkbox("MAXIMUM20",KJE.getKJEReplaced(KJE.parameters.get("MSG_LABEL3","Limit downpayment to KJE1"),g.percent(o.PMI_PERCENTAGE)));KJE.Radioboxes("YEAR","Report amortization",true,"Annually","Monthly");if(!KJE.parameters.get("SHOW_MAINTENANCE",false)){k.MAINTENANCE.setValue(0,true)}var j=KJE.gNewGraph(KJE.gLINE,"GRAPH3",true,false,KJE.colorList[1],KJE.parameters.get("MSG_GRAPH10",this.MSG_GRAPH12));j._legend._iOrientation=b.TOP_RIGHT;j._axisX.setVisible(true);j._titleYAxis.setText(KJE.sCurrency);j._titleXAxis.setText(this.MSG_GRAPH2);var m=KJE.gNewGraph(KJE.gCATEGORIES,"GRAPH2",true,true,KJE.colorList[1],KJE.parameters.get("MSG_GRAPH5","Monthly Payment Breakdown"));m._legend._iOrientation=b.TOP_RIGHT;m._axisX.setVisible(false);m._titleYAxis.setText("");m._titleXAxis.setText("");var i=KJE.gNewGraph(KJE.gCOLUMN,"GRAPH1",true,true,KJE.colorList[1],this.MSG_GRAPH1);i._iLimit=10;i._legend._iOrientation=b.TOP_RIGHT;i._titleYAxis.setText("");i._titleXAxis.setText(this.MSG_GRAPH2);var a=KJE.parameters.get("MSG_DROPPER_PAYMENT","Mortgage and Home Expenses:");var f=function(){return a+"|"+KJE.subText(KJE.getKJEReplaced(h,g.dollars(o.MONTHLY_TOTAL_PMT,2)),"KJERightBold")};KJE.addDropper(new KJE.Dropper("INPUTS",true,f,f),KJE.colorList[0]);var d=KJE.parameters.get("MSG_DROPPER_DOWNPAYMENT","Down Payment and Closing Costs:");var n=function(){return d+"|"+KJE.subText(KJE.getKJEReplaced(q,g.dollars(o.TOTAL_CLOSING_COSTS)),"KJERightBold")};KJE.addDropper(new KJE.Dropper("DOWNPAYMENT",false,n,n),KJE.colorList[0]);var p=KJE.parameters.get("MSG_DROPPER_RENT","Rent, Taxes and Inflation:");var e=function(){return p+"|"+KJE.subText(KJE.getKJEReplaced(c,g.dollars(o.MONTHLY_RENT)),"KJERightBold")};KJE.addDropper(new KJE.Dropper("RENT",false,e,e),KJE.colorList[0])};KJE.MortgageRentvsBuy.prototype.setValues=function(b){var a=KJE.inputs.items;b.MONTHLY_PMI=a.MONTHLY_PMI.getValue();b.PRICE_OF_HOME=a.PRICE_OF_HOME.getValue();b.DOWNPAYMENT_CLOSING_CASH=a.DOWNPAYMENT_CLOSING_CASH.getValue();b.PROPERTY_TAX_RATE=a.PROPERTY_TAX_RATE.getValue();b.HOME_INSURANCE_RATE=a.HOME_INSURANCE_RATE.getValue();b.INTEREST_RATE=a.INTEREST_RATE.getValue();b.LENGTH_OF_LOAN=a.TERM.getValue();b.LOAN_ORIGINATION_RATE=a.LOAN_ORIGINATION_RATE.getValue();b.LOAN_ORIGINATION_AMT=0;b.POINTS_PAID_NBR=a.POINTS_PAID_NBR.getValue();if(b.USE_OTHER_FEES_AMOUNT){b.OTHER_CLOSING_COSTS=a.OTHER_CLOSING_COSTS.getValue()}else{b.OTHER_CLOSING_COSTS_RATE=a.OTHER_CLOSING_COSTS.getValue()}b.TAX_RATE=a.TAX_RATE.getValue();b.MONTHLY_RENT=a.MONTHLY_RENT.getValue();b.INFLATION_RATE=a.INFLATION_RATE.getValue();b.INVESTMENT_RETURN=a.INVESTMENT_RETURN.getValue();b.HOME_APPRECIATION_RATE=a.HOME_APPRECIATION_RATE.getValue();b.HOME_COMMISION_RATE=a.HOME_COMMISION_RATE.getValue();b.ANNUAL_REPORT_PERIOD=a.YEAR.getValue();b.MAXIMUM_20_DOWN=a.MAXIMUM20.getValue();b.MAINTENANCE=a.MAINTENANCE.getValue()};KJE.MortgageRentvsBuy.prototype.refresh=function(g){var f=KJE;var e=KJE.gLegend;var b=KJE.inputs.items;var c=KJE.gGraphs[0];var d=KJE.gGraphs[1];var a=KJE.gGraphs[2];KJE.setTitleTemplate(g.RESULT_MESSAGE_MAIN);a.removeAll();a._iLimit=10;a.setGraphCategories(g.cats);a.add(new KJE.gGraphDataSeries(g.DS_NET_HOME_COST,g.MSG_GRAPH3,a.getColor(1),"",g.MSG_GRAPH3+" "+KJE.MSG_YEAR_LBL));a.add(new KJE.gGraphDataSeries(g.DS_RENT,g.MSG_GRAPH4,a.getColor(2),"",g.MSG_GRAPH4+" "+KJE.MSG_YEAR_LBL));a.paint();d.removeAll();d.setGraphCategories(g.cats2);d.add(new KJE.gGraphDataSeries(g.DS_G2,"",d.getColor(1)));d.paint();b.LOAN_AMOUNT.setText(f.dollars(g.LOAN_AMOUNT),true);b.MONTHLY_PI.setText(f.dollars(g.MONTHLY_PI,2),true);b.TOTAL_FOR_DOWNPAYMENT.setText(f.dollars(g.TOTAL_FOR_DOWNPAYMENT),true);c.removeAll();c._iLimit=10;c.setGraphCategories(g.cats);c.add(new KJE.gGraphDataSeries(g.DS_INVESTMENT_TOTAL,this.MSG_GRAPH9,a.getColor(1)));c.add(new KJE.gGraphDataSeries(g.DS_HOME_EQUITY,this.MSG_GRAPH10,a.getColor(2)));c.add(new KJE.gGraphDataSeries(g.DS_EQUITY_AFTER_COSTS,this.MSG_GRAPH11,a.getColor(3)));c.paint();b.MONTHLY_PMI.setValue(f.round(g.MONTHLY_PMI,2),true);if(g.MONTH_PMI_EXEMPT){b.MONTHLY_PMI.disable()}else{b.MONTHLY_PMI.enable()}};KJE.InputScreenText="
Nosotros calculamos el punto de equilibrio examinando cuánto tiempo le tomaría al valor de a su casa acumular suficiente capital para exceder el valor de inversión en dinero en efectivo. También tomamos en consideración la diferencia en el pago mensual de alquiler y el pago o cuota por la compra de la casa. Si el pago del alquiler es menor que el pago neto por la compra de la casa, le añadimos este ahorro mensual a su inversión. Si la cuota por la adquisición de la vivienda es menor que el pago de alquiler, le restamos esta cantidad a su inversión. Usted puede notar que en la tabla al final de este reporte el valor de la inversión se puede demostrar como un monto negativo. Esto sucedería si el pago o cuota por la compra de la casa es significativamente menor que el pago del alquiler. Esto comprueba que si usted continúa alquilando, el costo adicional del alquiler le consumirá el dinero en efectivo que tiene disponible para la adquisición de su casa. **GRAPH**
Su pago de alquiler actual es de MONTHLY_RENT. La tasa de inflación anticipada del INFLATION_RATE anual para estimar futuros alquileres y aportes fiscales sobre la propiedad. **GRAPH**
Capital e interés | MONTHLY_PI |
---|---|
PMI | MONTHLY_PMI |
Impuesto sobre la propiedad | PROPERY_TAX_MONTHLY |
Seguro | HOME_INSURANCE_MONTHLY |
Mantenimiento y cuotas de asociación | MAINTENANCE |
Puntos pagados | POINTS_PAID_AMT |
---|---|
Costo de generación | LOAN_ORIGINATION_AMT |
Otros gastos de cierre | OTHER_CLOSING_COSTS |
Para evitar pagos de Seguro Hipotecario Privado (PMI), se requiere un pago inicial de DOWNPAYMENT_20. Esto equivale al 20% del precio de la compra de su casa. La cantidad total en efectivo que se requiere para un pago inicial del 20% más gastos de cierre sería de CLOSING_CLOSING_COSTS_20. **GRAPH**