Beranda equity loan calculator

Cara menggunakan Beranda equity loan calculator

Apa yang dihitung dan kapan digunakan

Work out how much you could borrow against your Beranda dan the fixed payment on a Beranda equity (second mortgage) loan.

Cara menggunakan, langkah demi langkah

1. Enter the Beranda Nilai dan Arus mortgage Saldo.
2. Set the Maksimum combined loan-to-value your lender allows.
3. Enter the Bunga Suku bunga dan term, dan the amount you want sampai borrow.

Arti setiap input

• Combined loan-to-value – The Maksimum mortgage plus new loan as a percentage value. Lenders commonly use 80–85%.
• Jumlah sampai borrow – Leave blank sampai use the Maksimum.

Cara membaca hasil

• Equity you could borrow – Nilai × limit − mortgage Saldo.
• Combined LTV after – Mortgage plus new loan ÷ Nilai.
• Pembayaran bulanan – The fixed payment over the Jangka waktu.

Rumus

Available = Nilai × limit − mortgage Saldo. Payment = Jumlah × r ÷ (1 − (1 + r)^−n), where r adalah the Tahunan Suku bunga ÷ 12.

Contoh perhitungan

A 400,000 home with a 240,000 mortgage dan an 85% limit leaves 100,000 sampai borrow. At 8.25% seharga 15 years the payment adalah 970.14, total interest adalah 74,625, dan the combined loan-to-value adalah 85%.

Asumsi dan batasan

• Fixed Suku bunga dan equal payments.
• Fees dan valuation costs are excluded.
• The Beranda secures the loan.

Kesalahan umum

• Borrowing the Maksimum seharga non-essential spending.
• Forgetting that missed payments put your Beranda Pada risk.

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