Down payment calculator
How much deposit you need個でdifferent loan-to-value levelsとhow long it takes〜save.
Down payment calculatorについて
How much deposit you need個でdifferent loan-to-value levelsとhow long it takes〜save.
SmartCalcyの「住宅ローンと不動産」セクションの一部です。アカウント不要でブラウザ上で動作し、お使いの通貨と単位（ページ上部で変更可）を使います。結果は参考用の目安なので、頼る前に公的な情報をご確認ください。
Down payment calculatorの使い方
何を計算するか、いつ使うか
a home’s price Find the deposit you need at different percentagesとhow long it will take〜save、using your 電流 savings, 毎月 節約額、利息.
使い方の手順
- Enter the ホーム 価格とthe 頭金 割合 you want.
- Enter what you have saved、how much you can save each mon乗、the 利息 you earn.
- Read the time〜reach the targetとcommon deposit levels. the table
各入力項目の意味
- 頭金 you want – the 価格. A 割合
- Saved so far – The 量 already set aside.
- 毎月 節約額 – How much you add each mon乗.
- 利息 on savings – The 毎年 return you expect.
結果の読み方
- 貯蓄期間 – か月と年数 空き終了 savings reach the 目標額.
- 頭金 table – The cash neededとthe loan left at 3.5%、5%, 10%, 15%、20%.
計算式
目標額 = 価格 × 頭金 %. The か月 n satisfy savings × (1 + i)^n + 毎月 × ((1 + i)^n − 1) ÷ i = 目標額, where iはthe monthly interest rate. The solutionはn = ln((target + monthly ÷ i) ÷ (savings + monthly ÷ i)) ÷ ln(1 + i).ですです
計算例
For a 350,000 ホームとa 10% deposit the targetは35,000. Starting from 10,000ですとsaving 800 a month at 4% takes 2 years 5か月.
前提と限界
- 利息 compounds 毎月とis not taxed.
- ホーム prices are held flat while you save, but they could rise.
よくある間違い
- the 頭金. Leaving out buying costs on top
- 節約額個で20% when a lower 頭金 with good terms may suit you.
よくある質問
操作 I need 20%?
いいえ. In the US a smaller 頭金 usually means private mortgage insurance. In the UK、rates often improve 適用 10%, 15%、25% deposits.
関連ツール
詳細
- Reach it around
- 2029年4月
- Loan you would need
- £315,000
- 合計you save
- £23,200.00
頭金 適用 common levels
| 頭金 | 量 | Loan |
|---|---|---|
| 3.5% | £12,250 | £337,750 |
| 5% | £17,500 | £332,500 |
| 10% | £35,000 | £315,000 |
| 15% | £52,500 | £297,500 |
| 20% | £70,000 | £280,000 |