Submitted By sophieapplegarth

Words 1782

Pages 8

Words 1782

Pages 8

Mathematics A

-------------------------------------------------

Managing Money

Sophie Applegarth

student number s009244

Teacher LNN

House group 12 Gibson

Task A

Question 1- Finding your loan

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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