# Maths

Submitted By sophieapplegarth
Words 1782
Pages 8
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Mathematics A
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Managing Money
Sophie Applegarth

student number s009244

Teacher LNN

House group 12 Gibson

1 a)

Combined weekly income (after tax) of my partner and I = \$1050 + (\$2080 / 2)
= \$2090 per week
Therefore= \$2090 X 52 weeks per annum
= \$108680 per annum.
Known debt for car loan = \$480/month X 12 months
=\$5760 per annum in debt.
Assuming this is the only debt that we have: Total amount remaining per annum for maximum home loan repayments =
\$108680 - \$5760 = \$102920
It is suggested that you should allow one third of your net income on mortgage and other loan repayments
=One-third of \$102920 =
=1/3 x 102920
=\$34306.67

Therefore, the maximum amount available for home loan repayments per annum = \$34306.67

Hence, using our combined income, the maximum monthly amount that we can afford to use for home loan repayments= \$34306.67 / 12 (months in year)
= \$2858.89

Question 2 2 a)
All information from: http://www.ratecity.com.au/home-loans/compare

Loan Name | Interest Rate (per annum) | Maximum Term (years) | Associated Fees | Bank of Queensland- Home Loan Privileges Residential Fixed 3yrs | 5.09% (for 3 years), then 5.76% | 25 | \$395/yr | Suncorp Bank Fixed Low Doc 3yrs | 5.13% (for 3 years) then 6.39% then | 25 | \$600 upfront, then \$10/month | UBank UHomeLoan Fixed (for refinancing) 3 yrs | 4.73% (for 3 yrs) then 4.87% | 25 | Nil | Greater Union Building Society Ultimate Home Loan Package Standard Fixed 3 yrs | 4.99% (for 3 years) then 4.94% | 25 | \$790 upfront, \$325/yr | IMB Platinum Package Residential Fixed 3 yrs 200k+ | 4.94% (for 3 years) then 5.66% | 25 | \$768.74 upfront, then \$395 /yr |

Based on the information above, I have selected UBank UHomeLoan Fixed…...

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