{"{0} a month":"{0} per bulan","{0} lost to vacancy":"{0} hilang karena properti kosong","{0} to {1}":"{0} hingga {1}","{0}% of the rent":"{0}% dari sewa","25% of take-home pay":"25% dari gaji bersih","30% of gross income":"30% dari pendapatan bruto","36% of gross, less debts":"36% dari pendapatan bruto, dikurangi utang","a month, from the strictest rule to the loosest":"per bulan, dari aturan paling ketat hingga paling longgar","a year, before mortgage payments":"per tahun, sebelum pembayaran hipotek","a year; {0} a month":"per tahun; {0} per bulan","Buying costs (fees and taxes)":"Biaya pembelian (biaya dan pajak)","Cap rate":"Tingkat kapitalisasi","Cap rate calculator":"Kalkulator tingkat kapitalisasi","Cash flow":"Arus kas","Cash flow over 10 years":"Arus kas selama 10 tahun","Cash flow, year 1":"Arus kas, tahun 1","Cash invested":"Kas yang diinvestasikan","Cash on cash":"Kas terhadap kas","Cash-on-cash return calculator":"Kalkulator imbal hasil kas terhadap kas","Cash-on-cash return is a year's cash flow before tax ÷ the cash you put in: the down payment plus closing and repair costs. Cash flow is the rent you collect less operating costs and mortgage payments. It ignores the loan being paid down and any change in the property's value, which add to your total return, and income tax, which reduces it.":"Imbal hasil kas terhadap kas adalah arus kas setahun sebelum pajak ÷ kas yang Anda investasikan: uang muka ditambah biaya penyelesaian transaksi dan perbaikan. Arus kas adalah sewa yang Anda terima dikurangi biaya operasional dan pembayaran hipotek. Perhitungan ini tidak memperhitungkan pelunasan pinjaman dan perubahan nilai properti, yang menambah total imbal hasil, maupun pajak penghasilan, yang menguranginya.","Cash-on-cash return, year 1":"Imbal hasil kas terhadap kas, tahun 1","Check the values: a price above zero, a down payment from 0 to 100%, a rate from 0 to 30%, a term from 1 to 50 years, and growth rates between −50% and 50%.":"Periksa nilainya: harga harus di atas nol, uang muka antara 0 hingga 100%, suku bunga antara 0 hingga 30%, jangka waktu antara 1 hingga 50 tahun, dan tingkat pertumbuhan antara −50% hingga 50%.","Closing costs and repairs at purchase":"Biaya penyelesaian transaksi dan perbaikan saat pembelian","Comfortable rent":"Sewa yang terjangkau","Cost":"Biaya","Cost growth per year (%)":"Pertumbuhan biaya per tahun (%)","Costs per year":"Biaya per tahun","Debt payments per month (car, card, student loan)":"Pembayaran utang per bulan (mobil, kartu kredit, pinjaman pelajar)","Down payment (%)":"Uang muka (%)","Enter a price above zero, a rent and costs of zero or more, and a vacancy rate below 100%.":"Masukkan harga di atas nol, sewa dan biaya minimal nol, serta tingkat kekosongan di bawah 100%.","Enter a price above zero, and a rent, buying costs, and running costs of zero or more.":"Masukkan harga di atas nol, serta sewa, biaya pembelian, dan biaya berjalan minimal nol.","Enter a yearly income above zero, and take-home pay and debts of zero or more.":"Masukkan pendapatan tahunan di atas nol, serta gaji bersih dan utang minimal nol.","Gross income per year, before tax":"Pendapatan bruto per tahun, sebelum pajak","Gross yield":"Imbal hasil bruto","Gross yield is a year's rent ÷ the price, the figure most listings quote. Net yield takes off vacancy and every running cost, and divides by what the property really cost you, price plus buying fees and taxes. Mortgage interest is left out, so the yield compares properties regardless of how they are financed; for the return on your own cash with a mortgage, use the cash-on-cash calculator.":"Imbal hasil bruto adalah sewa selama setahun ÷ harga, yaitu angka yang paling sering dicantumkan dalam listing. Imbal hasil neto mengurangi kekosongan dan semua biaya berjalan, lalu membaginya dengan biaya sebenarnya dari properti tersebut, yaitu harga ditambah biaya dan pajak pembelian. Bunga hipotek tidak dihitung, sehingga imbal hasil dapat digunakan untuk membandingkan properti terlepas dari cara pembiayaannya; untuk menghitung imbal hasil kas Anda sendiri dengan hipotek, gunakan kalkulator imbal hasil kas terhadap kas.","Insurance per year":"Asuransi per tahun","Letting or management fee (% of rent)":"Biaya penyewaan atau pengelolaan (% dari sewa)","loan {0}":"pinjaman {0}","Maintenance and repairs per year":"Pemeliharaan dan perbaikan per tahun","Management fee":"Biaya pengelolaan","Mortgage":"Hipotek","Mortgage interest rate (%)":"Suku bunga hipotek (%)","Mortgage payments":"Pembayaran hipotek","Mortgage term (years)":"Jangka waktu hipotek (tahun)","Net income per year":"Pendapatan neto per tahun","Net operating income":"Pendapatan operasional neto","Net yield":"Imbal hasil neto","on the price plus buying costs":"berdasarkan harga ditambah biaya pembelian","Operating costs per year":"Biaya operasional per tahun","Operating costs per year (tax, insurance, upkeep, management)":"Biaya operasional per tahun (pajak, asuransi, pemeliharaan, pengelolaan)","Other costs per year":"Biaya lain per tahun","Per year":"Per tahun","Price for this income":"Harga untuk pendapatan ini","Property price or value":"Harga atau nilai properti","Property tax per year":"Pajak properti per tahun","Purchase price":"Harga pembelian","Rent":"Sewa","rent ÷ price":"sewa ÷ harga","Rent affordability calculator":"Kalkulator keterjangkauan sewa","Rent after vacancy":"Sewa setelah kekosongan","rent and debt payments together":"sewa dan pembayaran utang secara bersamaan","Rent growth per year (%)":"Pertumbuhan sewa per tahun (%)","Rent per month":"Sewa per bulan","Rental yield calculator":"Kalkulator imbal hasil sewa","Service charge, ground rent, or HOA per year":"Biaya layanan, sewa tanah, atau HOA per tahun","Take-home pay per month (optional)":"Gaji bersih per bulan (opsional)","The best-known guide is to spend no more than 30% of your gross income on rent; many landlords ask for a yearly income of 40 times the monthly rent, which is the same limit. Counting debts, lenders like housing and debt payments together to stay within about 36% of gross income. Basing the rent on 25% of take-home pay leaves the most room for saving. Rent here means rent alone; add utilities if your rent does not include them.":"Panduan yang paling dikenal adalah membatasi pengeluaran untuk sewa hingga maksimal 30% dari pendapatan bruto; banyak pemilik properti mensyaratkan pendapatan tahunan sebesar 40 kali sewa bulanan, yang merupakan batas yang sama. Jika utang turut diperhitungkan, pemberi pinjaman biasanya menginginkan pembayaran tempat tinggal dan utang secara bersamaan tetap sekitar 36% dari pendapatan bruto. Menetapkan sewa sebesar 25% dari gaji bersih memberikan ruang terbesar untuk menabung. Sewa di sini berarti biaya sewa saja; tambahkan utilitas jika belum termasuk dalam sewa.","The cap rate is net operating income ÷ price: the yearly return if you bought the property with cash. Net operating income is the rent you actually collect less running costs such as property tax, insurance, repairs, and management, but not mortgage payments, so properties can be compared however they are financed. The table shows what the same income is worth at other cap rates.":"Tingkat kapitalisasi adalah pendapatan operasional neto ÷ harga: imbal hasil tahunan jika Anda membeli properti secara tunai. Pendapatan operasional neto adalah sewa yang benar-benar Anda terima dikurangi biaya berjalan seperti pajak properti, asuransi, perbaikan, dan pengelolaan, tetapi tidak termasuk pembayaran hipotek. Dengan demikian, properti dapat dibandingkan terlepas dari cara pembiayaannya. Tabel menunjukkan nilai pendapatan yang sama pada tingkat kapitalisasi lainnya.","the cautious rule":"aturan konservatif","the same as the 40× rent rule: {0}":"sama dengan aturan 40× sewa: {0}","Vacancy":"Kekosongan","Vacancy (%)":"Kekosongan (%)","Vacancy and unpaid rent (%)":"Kekosongan dan sewa yang tidak dibayar (%)","With no down payment and no closing costs, no cash is invested, so there is no cash-on-cash return to work out.":"Tanpa uang muka dan biaya penyelesaian transaksi, tidak ada kas yang diinvestasikan, sehingga imbal hasil kas terhadap kas tidak dapat dihitung.","Year":"Tahun"}