ホーム equity loan calculator
How much you could borrow against your ホームとwhat a fixed-rate equity loan would 原価.
ホーム equity loan calculatorについて
How much you could borrow against your ホームとwhat a fixed-rate equity loan would 原価.
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ホーム equity loan calculatorの使い方
何を計算するか、いつ使うか
Work out how much you could borrow against your ホームとthe fixed payment on a ホーム equity (second mortgage) loan.
使い方の手順
- Enter the ホーム 値と電流 mortgage 残高.
- Set the 最大値 combined loan-to-value your lender allows.
- Enter the 利息 利率とterm,とthe amount you want〜borrow.
各入力項目の意味
- Combined loan-to-value – value. Lenders commonly use 80–85%. mortgage plus new loan as a percentage The 最大値
- 量〜borrow – Leave blank〜use the 最大値.
結果の読み方
- Equity you could borrow – 値 × limit − mortgage 残高.
- Combined LTV after – Mortgage plus new loan ÷ 値.
- 毎月の支払額 – The fixed payment over the 期間.
計算式
Available = 値 × limit − mortgage 残高. Payment = 量 × r ÷ (1 − (1 + r)^−n), where rはthe 毎年 利率 ÷ 12.です
計算例
A 400,000 home with a 240,000 mortgageとan 85% limit leaves 100,000〜borrow. At 8.25%個で15 years the paymentは970.14です、total interestは74,625です、the combined loan-to-valueは85%.です
前提と限界
- Fixed 利率とequal payments.
- Feesとvaluation costs are excluded.
- The ホーム secures the loan.
よくある間違い
- Borrowing the 最大値個でnon-essential spending.
- Forgetting that missed payments put your ホーム 適用 risk.
よくある質問
Howはa ホーム equity loan different 開始 a HELOC?です
A loan → out one sum at a fixed rateとpayment. A HELOCはa credit line with a variable rate that you draw on over time.です
Is the 利息 tax-deductible?
limited cases such as ホーム improvements. Ask a 税額 adviser.のIn the US, only
関連ツール
詳細
- Equity you could borrow
- £100,000.00
- Equity now
- £160,000.00値の40%
- Combined loan-to-value after
- 85%
- 利息総額
- £74,625.26
- 返済総額
- £174,625.26