Pananalapi · Libreng online tool

Kalkulador ng mortgage

Tantiyahin ang hulog sa mortgage na may nakapirming rate sa US at ang gastos sa pagmamay-ari. Ihambing ang dagdag na bayad sa prinsipal kada buwan, taon o piling petsa.

Pera: PHP

Pera

Ilagay ang lahat ng halaga sa PHP. Hindi nagbabago ang mga bilang kapag pinalitan ang pera; walang inilalapat na exchange rate.

Ano ang gusto mong kalkulahin?

HALIMBAWANG RESULTAKinakalkula sa iyong device

Unang buwanang halaga ng pagmamay - ari: ₱2,422.62
Regular na buwanang bayad: ₱2,022.62
Halaga ng loan: ₱320,000.00
Kabuuang interes: ₱408,142.36
Kabuuang mga bayad: ₱728,142.36
Panahon hanggang mabayaran nang buo: 360 buwan
Paunang bayad: ₱80,000.00
Halaga ng pagmamay - ari sa panahon ng pangungutang: ₱144,000.00

Tungkol sa resultang ito

Ang gastos ng pagmamay-ari ay nag-exclude ng extra main payment. Insurance input ay patuloy maliban para sa entered growth; mortgage-insurance cancelation ay hindi awtomatikong.

Aking workspace

Balanse ng loan sa paglipas ng panahon

PHP

Balanse

Bayad 360

Balanse₱0.00

Suriin ang timeline

Detalye ng bayad sa loan

PHP

Prinsipal at interes sa buong tagal ng loan.

Kabuuan₱728,142.36

Prinsipal₱320,000.0043.9%
Interes₱408,142.3656.1%

Detalyadong paliwanag

Lahat ng 360 hanay

Buong kalkulasyon, bawat hanay. Mga halaga sa PHP.

Mag-swipe o mag-scroll nang pahalang upang makita ang iba pang column.

Detalyadong paliwanag · Lahat ng 360 hanay
Bayad	Buwan	Halaga ng bayad (PHP)	Prinsipal (PHP)	Interes (PHP)	Balanse (PHP)
1	2026-11	2,022.62	289.28	1,733.33	319,710.72
2	2026-12	2,022.62	290.85	1,731.77	319,419.86
3	2027-01	2,022.62	292.43	1,730.19	319,127.44
4	2027-02	2,022.62	294.01	1,728.61	318,833.43
5	2027-03	2,022.62	295.60	1,727.01	318,537.82
6	2027-04	2,022.62	297.20	1,725.41	318,240.62
7	2027-05	2,022.62	298.81	1,723.80	317,941.80
8	2027-06	2,022.62	300.43	1,722.18	317,641.37
9	2027-07	2,022.62	302.06	1,720.56	317,339.31
10	2027-08	2,022.62	303.70	1,718.92	317,035.62
11	2027-09	2,022.62	305.34	1,717.28	316,730.27
12	2027-10	2,022.62	307.00	1,715.62	316,423.28
13	2027-11	2,022.62	308.66	1,713.96	316,114.62
14	2027-12	2,022.62	310.33	1,712.29	315,804.29
15	2028-01	2,022.62	312.01	1,710.61	315,492.28
16	2028-02	2,022.62	313.70	1,708.92	315,178.58
17	2028-03	2,022.62	315.40	1,707.22	314,863.18
18	2028-04	2,022.62	317.11	1,705.51	314,546.07
19	2028-05	2,022.62	318.83	1,703.79	314,227.24
20	2028-06	2,022.62	320.55	1,702.06	313,906.69
21	2028-07	2,022.62	322.29	1,700.33	313,584.40
22	2028-08	2,022.62	324.04	1,698.58	313,260.36
23	2028-09	2,022.62	325.79	1,696.83	312,934.57
24	2028-10	2,022.62	327.56	1,695.06	312,607.02
25	2028-11	2,022.62	329.33	1,693.29	312,277.69
26	2028-12	2,022.62	331.11	1,691.50	311,946.57
27	2029-01	2,022.62	332.91	1,689.71	311,613.67
28	2029-02	2,022.62	334.71	1,687.91	311,278.96
29	2029-03	2,022.62	336.52	1,686.09	310,942.43
30	2029-04	2,022.62	338.35	1,684.27	310,604.09
31	2029-05	2,022.62	340.18	1,682.44	310,263.91
32	2029-06	2,022.62	342.02	1,680.60	309,921.89
33	2029-07	2,022.62	343.87	1,678.74	309,578.01
34	2029-08	2,022.62	345.74	1,676.88	309,232.28
35	2029-09	2,022.62	347.61	1,675.01	308,884.67
36	2029-10	2,022.62	349.49	1,673.13	308,535.17
37	2029-11	2,022.62	351.39	1,671.23	308,183.79
38	2029-12	2,022.62	353.29	1,669.33	307,830.50
39	2030-01	2,022.62	355.20	1,667.42	307,475.30
40	2030-02	2,022.62	357.13	1,665.49	307,118.17
41	2030-03	2,022.62	359.06	1,663.56	306,759.11
42	2030-04	2,022.62	361.01	1,661.61	306,398.10
43	2030-05	2,022.62	362.96	1,659.66	306,035.14
44	2030-06	2,022.62	364.93	1,657.69	305,670.22
45	2030-07	2,022.62	366.90	1,655.71	305,303.31
46	2030-08	2,022.62	368.89	1,653.73	304,934.42
47	2030-09	2,022.62	370.89	1,651.73	304,563.53
48	2030-10	2,022.62	372.90	1,649.72	304,190.63
49	2030-11	2,022.62	374.92	1,647.70	303,815.71
50	2030-12	2,022.62	376.95	1,645.67	303,438.76
51	2031-01	2,022.62	378.99	1,643.63	303,059.77
52	2031-02	2,022.62	381.04	1,641.57	302,678.73
53	2031-03	2,022.62	383.11	1,639.51	302,295.62
54	2031-04	2,022.62	385.18	1,637.43	301,910.44
55	2031-05	2,022.62	387.27	1,635.35	301,523.17
56	2031-06	2,022.62	389.37	1,633.25	301,133.80
57	2031-07	2,022.62	391.48	1,631.14	300,742.33
58	2031-08	2,022.62	393.60	1,629.02	300,348.73
59	2031-09	2,022.62	395.73	1,626.89	299,953.00
60	2031-10	2,022.62	397.87	1,624.75	299,555.13
61	2031-11	2,022.62	400.03	1,622.59	299,155.10
62	2031-12	2,022.62	402.19	1,620.42	298,752.91
63	2032-01	2,022.62	404.37	1,618.24	298,348.53
64	2032-02	2,022.62	406.56	1,616.05	297,941.97
65	2032-03	2,022.62	408.77	1,613.85	297,533.20
66	2032-04	2,022.62	410.98	1,611.64	297,122.23
67	2032-05	2,022.62	413.21	1,609.41	296,709.02
68	2032-06	2,022.62	415.44	1,607.17	296,293.58
69	2032-07	2,022.62	417.69	1,604.92	295,875.88
70	2032-08	2,022.62	419.96	1,602.66	295,455.93
71	2032-09	2,022.62	422.23	1,600.39	295,033.69
72	2032-10	2,022.62	424.52	1,598.10	294,609.18
73	2032-11	2,022.62	426.82	1,595.80	294,182.36
74	2032-12	2,022.62	429.13	1,593.49	293,753.23
75	2033-01	2,022.62	431.45	1,591.16	293,321.77
76	2033-02	2,022.62	433.79	1,588.83	292,887.98
77	2033-03	2,022.62	436.14	1,586.48	292,451.84
78	2033-04	2,022.62	438.50	1,584.11	292,013.34
79	2033-05	2,022.62	440.88	1,581.74	291,572.46
80	2033-06	2,022.62	443.27	1,579.35	291,129.19
81	2033-07	2,022.62	445.67	1,576.95	290,683.52
82	2033-08	2,022.62	448.08	1,574.54	290,235.44
83	2033-09	2,022.62	450.51	1,572.11	289,784.93
84	2033-10	2,022.62	452.95	1,569.67	289,331.98
85	2033-11	2,022.62	455.40	1,567.21	288,876.58
86	2033-12	2,022.62	457.87	1,564.75	288,418.71
87	2034-01	2,022.62	460.35	1,562.27	287,958.36
88	2034-02	2,022.62	462.84	1,559.77	287,495.52
89	2034-03	2,022.62	465.35	1,557.27	287,030.17
90	2034-04	2,022.62	467.87	1,554.75	286,562.30
91	2034-05	2,022.62	470.41	1,552.21	286,091.89
92	2034-06	2,022.62	472.95	1,549.66	285,618.94
93	2034-07	2,022.62	475.52	1,547.10	285,143.42
94	2034-08	2,022.62	478.09	1,544.53	284,665.33
95	2034-09	2,022.62	480.68	1,541.94	284,184.65
96	2034-10	2,022.62	483.28	1,539.33	283,701.37
97	2034-11	2,022.62	485.90	1,536.72	283,215.47
98	2034-12	2,022.62	488.53	1,534.08	282,726.93
99	2035-01	2,022.62	491.18	1,531.44	282,235.75
100	2035-02	2,022.62	493.84	1,528.78	281,741.91
101	2035-03	2,022.62	496.52	1,526.10	281,245.40
102	2035-04	2,022.62	499.21	1,523.41	280,746.19
103	2035-05	2,022.62	501.91	1,520.71	280,244.28
104	2035-06	2,022.62	504.63	1,517.99	279,739.65
105	2035-07	2,022.62	507.36	1,515.26	279,232.29
106	2035-08	2,022.62	510.11	1,512.51	278,722.18
107	2035-09	2,022.62	512.87	1,509.75	278,209.31
108	2035-10	2,022.62	515.65	1,506.97	277,693.66
109	2035-11	2,022.62	518.44	1,504.17	277,175.22
110	2035-12	2,022.62	521.25	1,501.37	276,653.96
111	2036-01	2,022.62	524.08	1,498.54	276,129.89
112	2036-02	2,022.62	526.91	1,495.70	275,602.97
113	2036-03	2,022.62	529.77	1,492.85	275,073.21
114	2036-04	2,022.62	532.64	1,489.98	274,540.57
115	2036-05	2,022.62	535.52	1,487.09	274,005.05
116	2036-06	2,022.62	538.42	1,484.19	273,466.62
117	2036-07	2,022.62	541.34	1,481.28	272,925.28
118	2036-08	2,022.62	544.27	1,478.35	272,381.01
119	2036-09	2,022.62	547.22	1,475.40	271,833.79
120	2036-10	2,022.62	550.18	1,472.43	271,283.60
121	2036-11	2,022.62	553.16	1,469.45	270,730.44
122	2036-12	2,022.62	556.16	1,466.46	270,174.28
123	2037-01	2,022.62	559.17	1,463.44	269,615.10
124	2037-02	2,022.62	562.20	1,460.42	269,052.90
125	2037-03	2,022.62	565.25	1,457.37	268,487.65
126	2037-04	2,022.62	568.31	1,454.31	267,919.34
127	2037-05	2,022.62	571.39	1,451.23	267,347.96
128	2037-06	2,022.62	574.48	1,448.13	266,773.47
129	2037-07	2,022.62	577.59	1,445.02	266,195.88
130	2037-08	2,022.62	580.72	1,441.89	265,615.16
131	2037-09	2,022.62	583.87	1,438.75	265,031.29
132	2037-10	2,022.62	587.03	1,435.59	264,444.26
133	2037-11	2,022.62	590.21	1,432.41	263,854.04
134	2037-12	2,022.62	593.41	1,429.21	263,260.64
135	2038-01	2,022.62	596.62	1,426.00	262,664.01
136	2038-02	2,022.62	599.85	1,422.76	262,064.16
137	2038-03	2,022.62	603.10	1,419.51	261,461.06
138	2038-04	2,022.62	606.37	1,416.25	260,854.69
139	2038-05	2,022.62	609.65	1,412.96	260,245.03
140	2038-06	2,022.62	612.96	1,409.66	259,632.07
141	2038-07	2,022.62	616.28	1,406.34	259,015.80
142	2038-08	2,022.62	619.62	1,403.00	258,396.18
143	2038-09	2,022.62	622.97	1,399.65	257,773.21
144	2038-10	2,022.62	626.35	1,396.27	257,146.86
145	2038-11	2,022.62	629.74	1,392.88	256,517.12
146	2038-12	2,022.62	633.15	1,389.47	255,883.97
147	2039-01	2,022.62	636.58	1,386.04	255,247.39
148	2039-02	2,022.62	640.03	1,382.59	254,607.37
149	2039-03	2,022.62	643.49	1,379.12	253,963.87
150	2039-04	2,022.62	646.98	1,375.64	253,316.89
151	2039-05	2,022.62	650.48	1,372.13	252,666.41
152	2039-06	2,022.62	654.01	1,368.61	252,012.40
153	2039-07	2,022.62	657.55	1,365.07	251,354.85
154	2039-08	2,022.62	661.11	1,361.51	250,693.74
155	2039-09	2,022.62	664.69	1,357.92	250,029.04
156	2039-10	2,022.62	668.29	1,354.32	249,360.75
157	2039-11	2,022.62	671.91	1,350.70	248,688.84
158	2039-12	2,022.62	675.55	1,347.06	248,013.28
159	2040-01	2,022.62	679.21	1,343.41	247,334.07
160	2040-02	2,022.62	682.89	1,339.73	246,651.18
161	2040-03	2,022.62	686.59	1,336.03	245,964.59
162	2040-04	2,022.62	690.31	1,332.31	245,274.28
163	2040-05	2,022.62	694.05	1,328.57	244,580.23
164	2040-06	2,022.62	697.81	1,324.81	243,882.42
165	2040-07	2,022.62	701.59	1,321.03	243,180.84
166	2040-08	2,022.62	705.39	1,317.23	242,475.45
167	2040-09	2,022.62	709.21	1,313.41	241,766.24
168	2040-10	2,022.62	713.05	1,309.57	241,053.19
169	2040-11	2,022.62	716.91	1,305.70	240,336.27
170	2040-12	2,022.62	720.80	1,301.82	239,615.48
171	2041-01	2,022.62	724.70	1,297.92	238,890.78
172	2041-02	2,022.62	728.63	1,293.99	238,162.15
173	2041-03	2,022.62	732.57	1,290.04	237,429.58
174	2041-04	2,022.62	736.54	1,286.08	236,693.04
175	2041-05	2,022.62	740.53	1,282.09	235,952.51
176	2041-06	2,022.62	744.54	1,278.08	235,207.97
177	2041-07	2,022.62	748.57	1,274.04	234,459.39
178	2041-08	2,022.62	752.63	1,269.99	233,706.76
179	2041-09	2,022.62	756.71	1,265.91	232,950.06
180	2041-10	2,022.62	760.80	1,261.81	232,189.25
181	2041-11	2,022.62	764.93	1,257.69	231,424.33
182	2041-12	2,022.62	769.07	1,253.55	230,655.26
183	2042-01	2,022.62	773.24	1,249.38	229,882.02
184	2042-02	2,022.62	777.42	1,245.19	229,104.60
185	2042-03	2,022.62	781.63	1,240.98	228,322.96
186	2042-04	2,022.62	785.87	1,236.75	227,537.10
187	2042-05	2,022.62	790.13	1,232.49	226,746.97
188	2042-06	2,022.62	794.40	1,228.21	225,952.57
189	2042-07	2,022.62	798.71	1,223.91	225,153.86
190	2042-08	2,022.62	803.03	1,219.58	224,350.82
191	2042-09	2,022.62	807.38	1,215.23	223,543.44
192	2042-10	2,022.62	811.76	1,210.86	222,731.68
193	2042-11	2,022.62	816.15	1,206.46	221,915.53
194	2042-12	2,022.62	820.58	1,202.04	221,094.95
195	2043-01	2,022.62	825.02	1,197.60	220,269.93
196	2043-02	2,022.62	829.49	1,193.13	219,440.44
197	2043-03	2,022.62	833.98	1,188.64	218,606.46
198	2043-04	2,022.62	838.50	1,184.12	217,767.96
199	2043-05	2,022.62	843.04	1,179.58	216,924.92
200	2043-06	2,022.62	847.61	1,175.01	216,077.31
201	2043-07	2,022.62	852.20	1,170.42	215,225.11
202	2043-08	2,022.62	856.81	1,165.80	214,368.30
203	2043-09	2,022.62	861.46	1,161.16	213,506.84
204	2043-10	2,022.62	866.12	1,156.50	212,640.72
205	2043-11	2,022.62	870.81	1,151.80	211,769.91
206	2043-12	2,022.62	875.53	1,147.09	210,894.38
207	2044-01	2,022.62	880.27	1,142.34	210,014.10
208	2044-02	2,022.62	885.04	1,137.58	209,129.06
209	2044-03	2,022.62	889.84	1,132.78	208,239.23
210	2044-04	2,022.62	894.66	1,127.96	207,344.57
211	2044-05	2,022.62	899.50	1,123.12	206,445.07
212	2044-06	2,022.62	904.37	1,118.24	205,540.70
213	2044-07	2,022.62	909.27	1,113.35	204,631.42
214	2044-08	2,022.62	914.20	1,108.42	203,717.23
215	2044-09	2,022.62	919.15	1,103.47	202,798.08
216	2044-10	2,022.62	924.13	1,098.49	201,873.95
217	2044-11	2,022.62	929.13	1,093.48	200,944.82
218	2044-12	2,022.62	934.17	1,088.45	200,010.65
219	2045-01	2,022.62	939.23	1,083.39	199,071.42
220	2045-02	2,022.62	944.31	1,078.30	198,127.11
221	2045-03	2,022.62	949.43	1,073.19	197,177.68
222	2045-04	2,022.62	954.57	1,068.05	196,223.11
223	2045-05	2,022.62	959.74	1,062.88	195,263.37
224	2045-06	2,022.62	964.94	1,057.68	194,298.42
225	2045-07	2,022.62	970.17	1,052.45	193,328.26
226	2045-08	2,022.62	975.42	1,047.19	192,352.83
227	2045-09	2,022.62	980.71	1,041.91	191,372.13
228	2045-10	2,022.62	986.02	1,036.60	190,386.11
229	2045-11	2,022.62	991.36	1,031.26	189,394.75
230	2045-12	2,022.62	996.73	1,025.89	188,398.02
231	2046-01	2,022.62	1,002.13	1,020.49	187,395.89
232	2046-02	2,022.62	1,007.56	1,015.06	186,388.33
233	2046-03	2,022.62	1,013.01	1,009.60	185,375.32
234	2046-04	2,022.62	1,018.50	1,004.12	184,356.82
235	2046-05	2,022.62	1,024.02	998.60	183,332.80
236	2046-06	2,022.62	1,029.57	993.05	182,303.24
237	2046-07	2,022.62	1,035.14	987.48	181,268.09
238	2046-08	2,022.62	1,040.75	981.87	180,227.34
239	2046-09	2,022.62	1,046.39	976.23	179,180.96
240	2046-10	2,022.62	1,052.05	970.56	178,128.90
241	2046-11	2,022.62	1,057.75	964.86	177,071.15
242	2046-12	2,022.62	1,063.48	959.14	176,007.67
243	2047-01	2,022.62	1,069.24	953.37	174,938.43
244	2047-02	2,022.62	1,075.03	947.58	173,863.39
245	2047-03	2,022.62	1,080.86	941.76	172,782.53
246	2047-04	2,022.62	1,086.71	935.91	171,695.82
247	2047-05	2,022.62	1,092.60	930.02	170,603.22
248	2047-06	2,022.62	1,098.52	924.10	169,504.71
249	2047-07	2,022.62	1,104.47	918.15	168,400.24
250	2047-08	2,022.62	1,110.45	912.17	167,289.79
251	2047-09	2,022.62	1,116.46	906.15	166,173.32
252	2047-10	2,022.62	1,122.51	900.11	165,050.81
253	2047-11	2,022.62	1,128.59	894.03	163,922.22
254	2047-12	2,022.62	1,134.71	887.91	162,787.51
255	2048-01	2,022.62	1,140.85	881.77	161,646.66
256	2048-02	2,022.62	1,147.03	875.59	160,499.63
257	2048-03	2,022.62	1,153.24	869.37	159,346.39
258	2048-04	2,022.62	1,159.49	863.13	158,186.89
259	2048-05	2,022.62	1,165.77	856.85	157,021.12
260	2048-06	2,022.62	1,172.09	850.53	155,849.04
261	2048-07	2,022.62	1,178.44	844.18	154,670.60
262	2048-08	2,022.62	1,184.82	837.80	153,485.78
263	2048-09	2,022.62	1,191.24	831.38	152,294.55
264	2048-10	2,022.62	1,197.69	824.93	151,096.86
265	2048-11	2,022.62	1,204.18	818.44	149,892.68
266	2048-12	2,022.62	1,210.70	811.92	148,681.98
267	2049-01	2,022.62	1,217.26	805.36	147,464.72
268	2049-02	2,022.62	1,223.85	798.77	146,240.87
269	2049-03	2,022.62	1,230.48	792.14	145,010.39
270	2049-04	2,022.62	1,237.14	785.47	143,773.25
271	2049-05	2,022.62	1,243.85	778.77	142,529.40
272	2049-06	2,022.62	1,250.58	772.03	141,278.82
273	2049-07	2,022.62	1,257.36	765.26	140,021.46
274	2049-08	2,022.62	1,264.17	758.45	138,757.30
275	2049-09	2,022.62	1,271.02	751.60	137,486.28
276	2049-10	2,022.62	1,277.90	744.72	136,208.38
277	2049-11	2,022.62	1,284.82	737.80	134,923.56
278	2049-12	2,022.62	1,291.78	730.84	133,631.78
279	2050-01	2,022.62	1,298.78	723.84	132,333.00
280	2050-02	2,022.62	1,305.81	716.80	131,027.18
281	2050-03	2,022.62	1,312.89	709.73	129,714.30
282	2050-04	2,022.62	1,320.00	702.62	128,394.30
283	2050-05	2,022.62	1,327.15	695.47	127,067.15
284	2050-06	2,022.62	1,334.34	688.28	125,732.81
285	2050-07	2,022.62	1,341.56	681.05	124,391.25
286	2050-08	2,022.62	1,348.83	673.79	123,042.41
287	2050-09	2,022.62	1,356.14	666.48	121,686.28
288	2050-10	2,022.62	1,363.48	659.13	120,322.79
289	2050-11	2,022.62	1,370.87	651.75	118,951.92
290	2050-12	2,022.62	1,378.29	644.32	117,573.63
291	2051-01	2,022.62	1,385.76	636.86	116,187.87
292	2051-02	2,022.62	1,393.27	629.35	114,794.60
293	2051-03	2,022.62	1,400.81	621.80	113,393.79
294	2051-04	2,022.62	1,408.40	614.22	111,985.39
295	2051-05	2,022.62	1,416.03	606.59	110,569.36
296	2051-06	2,022.62	1,423.70	598.92	109,145.66
297	2051-07	2,022.62	1,431.41	591.21	107,714.24
298	2051-08	2,022.62	1,439.17	583.45	106,275.08
299	2051-09	2,022.62	1,446.96	575.66	104,828.12
300	2051-10	2,022.62	1,454.80	567.82	103,373.32
301	2051-11	2,022.62	1,462.68	559.94	101,910.64
302	2051-12	2,022.62	1,470.60	552.02	100,440.04
303	2052-01	2,022.62	1,478.57	544.05	98,961.47
304	2052-02	2,022.62	1,486.58	536.04	97,474.89
305	2052-03	2,022.62	1,494.63	527.99	95,980.27
306	2052-04	2,022.62	1,502.72	519.89	94,477.54
307	2052-05	2,022.62	1,510.86	511.75	92,966.68
308	2052-06	2,022.62	1,519.05	503.57	91,447.63
309	2052-07	2,022.62	1,527.28	495.34	89,920.35
310	2052-08	2,022.62	1,535.55	487.07	88,384.80
311	2052-09	2,022.62	1,543.87	478.75	86,840.94
312	2052-10	2,022.62	1,552.23	470.39	85,288.71
313	2052-11	2,022.62	1,560.64	461.98	83,728.07
314	2052-12	2,022.62	1,569.09	453.53	82,158.98
315	2053-01	2,022.62	1,577.59	445.03	80,581.39
316	2053-02	2,022.62	1,586.14	436.48	78,995.25
317	2053-03	2,022.62	1,594.73	427.89	77,400.53
318	2053-04	2,022.62	1,603.36	419.25	75,797.16
319	2053-05	2,022.62	1,612.05	410.57	74,185.11
320	2053-06	2,022.62	1,620.78	401.84	72,564.33
321	2053-07	2,022.62	1,629.56	393.06	70,934.77
322	2053-08	2,022.62	1,638.39	384.23	69,296.38
323	2053-09	2,022.62	1,647.26	375.36	67,649.12
324	2053-10	2,022.62	1,656.18	366.43	65,992.94
325	2053-11	2,022.62	1,665.16	357.46	64,327.78
326	2053-12	2,022.62	1,674.18	348.44	62,653.60
327	2054-01	2,022.62	1,683.24	339.37	60,970.36
328	2054-02	2,022.62	1,692.36	330.26	59,278.00
329	2054-03	2,022.62	1,701.53	321.09	57,576.47
330	2054-04	2,022.62	1,710.75	311.87	55,865.73
331	2054-05	2,022.62	1,720.01	302.61	54,145.71
332	2054-06	2,022.62	1,729.33	293.29	52,416.38
333	2054-07	2,022.62	1,738.70	283.92	50,677.69
334	2054-08	2,022.62	1,748.11	274.50	48,929.58
335	2054-09	2,022.62	1,757.58	265.04	47,171.99
336	2054-10	2,022.62	1,767.10	255.51	45,404.89
337	2054-11	2,022.62	1,776.67	245.94	43,628.22
338	2054-12	2,022.62	1,786.30	236.32	41,841.92
339	2055-01	2,022.62	1,795.97	226.64	40,045.94
340	2055-02	2,022.62	1,805.70	216.92	38,240.24
341	2055-03	2,022.62	1,815.48	207.13	36,424.76
342	2055-04	2,022.62	1,825.32	197.30	34,599.44
343	2055-05	2,022.62	1,835.20	187.41	32,764.24
344	2055-06	2,022.62	1,845.14	177.47	30,919.09
345	2055-07	2,022.62	1,855.14	167.48	29,063.95
346	2055-08	2,022.62	1,865.19	157.43	27,198.77
347	2055-09	2,022.62	1,875.29	147.33	25,323.47
348	2055-10	2,022.62	1,885.45	137.17	23,438.03
349	2055-11	2,022.62	1,895.66	126.96	21,542.36
350	2055-12	2,022.62	1,905.93	116.69	19,636.43
351	2056-01	2,022.62	1,916.25	106.36	17,720.18
352	2056-02	2,022.62	1,926.63	95.98	15,793.55
353	2056-03	2,022.62	1,937.07	85.55	13,856.48
354	2056-04	2,022.62	1,947.56	75.06	11,908.92
355	2056-05	2,022.62	1,958.11	64.51	9,950.81
356	2056-06	2,022.62	1,968.72	53.90	7,982.09
357	2056-07	2,022.62	1,979.38	43.24	6,002.71
358	2056-08	2,022.62	1,990.10	32.51	4,012.60
359	2056-09	2,022.62	2,000.88	21.73	2,011.72
360	2056-10	2,022.62	2,011.72	10.90	0.00

Paano gamitin

Isang mahalagang pagkakaiba

Fixed na hulog, tumataas na housing costs

Panatilihing fixed ang mortgage rate pero lagyan ng taunang pagtaas ang property tax at insurance. Nananatili ang iskedyul ng prinsipal at interes habang lumalaki ang housing budget; ihambing ang mga susunod na taon sa unang buwan.

Paghahambing ng hulog sa mortgage at gastos sa pagmamay-ari

Bahagi lamang ng gastos sa pagmamay-ari ng bahay ang hulog sa mortgage. Ihambing ang hulog para sa prinsipal at interes sa talaan ng mga gastos sa pagmamay-ari bago magpasya kung ano ang kasya sa buwanang badyet. Binabago ng paunang bayad ang halagang uutangin, samantalang binabago ng haba ng termino ang panahon ng pagbabayad. Panatilihing pareho ang presyo ng bahay at ipinapalagay na interes kapag naghahambing ng mga sitwasyon.

Mortgage sa US: pormula at mga palagay

Loan = presyo × (1−down passing%). Buwanang pagbabayad = Pr/[1−(1+r)^−n].

Ang schedule ay sumasang-ayon ng isang fixed interest rate sa loob ng inilagay na period ng amortization. Ang mga gastos ng pagmamay-ari ay sinusubaybayan nang malinaw mula sa pangunahing loan at interes.

Mga dagdag na bayad ayon sa kalendaryo: pormula at mga palagay

Payment = principal / a annuity istandard-halaga factor. Bawat buwan ay nagbibigay ng interes, nakaiskedyul na bayad, pagkatapos ay mga ekstra.

Monthly, annual at date one-time extra ay pinagsama. Ang final payment ay nakuha sa utang na utang. Ihambing ang tunay na payoff at interes sa isang unchanged-payment base line.

Worksheet ng paunang bayad at gastos sa pagmamay-ari: pormula at mga palagay

Taon y halaga = Iormal na halaga ng first-year × (1+ang paglaki nito)^(y−1).

Ang porsyento ng gastos ay gumagamit ng orihinal na presyo, na may paglago na applied once sa gastos. Ang workheet na ito ay nagpapahintulot ng mga gastos sa pagmamay-ari mula sa principal loan at interest.

Pinabilis na bayad tuwing dalawang linggo gamit ang tinatayang balanse: pormula at mga palagay

Hinango ang hulugan = buwanang bayad / 2. Ang interes na factor kada pagitan = (1+APR/12)^(12/26).

Ito ay gumagamit ng 26 equal interest periods bawat taon. Ang kasalukuyang pangunahing ay maaaring itinuturing mula sa orihinal na mga termino o isang pagbabayad / pagpapanatili-term pair. Ang pagkolekta ng loan-servicer at pag-post ay maaaring magkakaiba.

Halimbawang kalkulasyon

Reference halimbawa ng currency: USD Ang mga ito fixed halimbawa ay hindi pagbabago sa iyong kalkulator preferences.

Gamit ang halimbawang Mortgage sa US:

Mga input

Presyo ng bahay ($): 400000
Paunang bayad (%): 20
Taunang rate ng interes (%): 6.5
Tagal (taon): 30
Taunang buwis sa ari-arian ($): 3600
Taunang seguro sa bahay ($): 1200
Buwanang seguro sa mortgage ($): 0
Buwanang mga bayarin sa HOA ($): 0
Iba pang buwanang gastos sa pagmamay-ari ($): 0
Taunang pagtaas ng buwis (%): 0
Taunang pagtaas ng seguro (%): 0
Taunang pagtaas ng HOA (%): 0
Dagdag na buwanang bayad sa prinsipal ($): 0
Dagdag na taunang bayad sa prinsipal ($): 0
Isahang dagdag na bayad sa prinsipal ($): 0
Buwan ng isahang bayad: 12
Buwan ng unang bayad: 2026-11-01

Paraan

Loan = presyo × (1−down passing%). Buwanang pagbabayad = Pr/[1−(1+r)^−n].

Resulta

Resulta ng halimbawa

Unang buwanang halaga ng pagmamay - ari: $2,422.62

Regular na buwanang bayad: $2,022.62

Halaga ng loan: $320,000.00

Kabuuang interes: $408,142.36

Kabuuang mga bayad: $728,142.36

Panahon hanggang mabayaran nang buo: 360 buwan

Paunang bayad: $80,000.00

Halaga ng pagmamay - ari sa panahon ng pangungutang: $144,000.00

Ang gastos ng pagmamay-ari ay nag-exclude ng extra main payment. Insurance input ay patuloy maliban para sa entered growth; mortgage-insurance cancelation ay hindi awtomatikong.

Ito ay mga ilustrasyon. Baguhin ang mga halaga upang malaman ang isang iba't ibang scenario.

Mga dapat tandaan

Ito ay isang estimate, hindi isang loan offer. Mga buwis, insurance, mortgage-insurance cancel, renewal terms, at mga bayad ay depende sa iyong kasunduan.

Mga sanggunian ng pormula

Ang mga referral ay nagpapaliwanag ng mga nakaraang pamamaraan; hindi nila sumasang-ayon sa pagsusuri o indibidwal na propesyonal na pagsusuri ng Finflo.

Mga karaniwang tanong

Ang pagbabayad ng mortgage ay katulad ng aking kabuuang gastos ng housing?

Ang pangunahing at interes ay bayaran ang loan. Ang pag-aari-cost worksheet ay naiiba tumatanggap ng taunang o buwanang gastos at porsyento ng orihinal na presyo ng pagbili, na may independiyenteng pag-unlad ng assumption.

Ang isang karagdagang pagbabayad ay automatically mas mababa sa hinaharap na buwanang pagbabayad?

Ang schedule ay gumagamit ng karagdagang pera sa pangunahing at shortens ang pagbabayad. Ito ay hindi isang modelo ng isang pinapayagan-aprobado recovery ng mga plano ng pagbabayad.

Maaari ko bang ikukumpara ang petsa ng mga extras at isang biweekly schedule?

Gamitin ang mga karagdagang pagbabayad na batay sa Calendar para sa mga dating pangunahing additions. Ang accelerated biweekly mode sa halip ay gumagamit ng 26 katumbas ng mga panahon ng interes, na maaaring naiiba mula sa tunay na schedule ng pag-post ng iyong utang.

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