Letâs look at a hypothetical spontaneous chemical reaction: The quantity of usable energy (chemical potential) in a reaction is called the Gibbs Free Energy (DG). DG is the difference between the energy contained in the products of a reaction and the reactants: DG = (energy of products) - (energy of reactants)
That's why some financial experts feel it's more realistic to think in terms of your net income, aka take-home pay, and that you shouldn't use any more than 25% of your take-home on your mortgage payment.
As a rough guideline it is usually between 0.5-2% of the mortgage. Mortgage Stamp Duty. There is also another tax that you'll have to pay if you require a mortgage to buy your home. It's called Mortgage Stamp Duty and is paid to the state governments whenever a mortgage document is signed and stamped.The amount payable varies from state to state.here is also another tax that you'll have to pay if you require a mortgage to buy your home. It's called Mortgage Stamp Duty and is paid to the state governments whenever a mortgage document is signed and stamped. The amount payable varies from state to state.