Kalkulator pelunasan KPR
Delengen kepiye pambayaran tambahan saben sasi utawa dhuwit sakaligus bisa nyepetake KPR lan ngurangi bunga.
Babagan Kalkulator pelunasan KPR
Delengen kepiye pambayaran tambahan saben sasi utawa dhuwit sakaligus bisa nyepetake KPR lan ngurangi bunga.
Bagean saka seksi “KPR & properti” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator pelunasan KPR
Apa sing dietung lan kapan nganggo
Kalkulator iki nuduhake sepira luwih cepet panjenengan bisa bebas KPR, lan sepira bunga sing diirit, yen mbayar luwih saben sasi utawa mbayar sakaligus sapisan.
Carane nganggo, langkah demi langkah
- Lebokna saldo saiki, suku bunga lan sisa taun.
- Tambahna jumlah ekstra sing bisa dibayar saben sasi lan jumlah sakaligus sing bisa dibayar saiki.
- Bandhingake wektu lunas lan bunga sing anyar karo rencana asline.
Tegese saben input
- Mortgage Saldo now – What you still owe, not the original loan.
- Suku bunga – Your current Saben taun tarif.
- Taun left – The remaining Tenor on the mortgage.
- Tambahan saben sasi – Money added nganti Saben siji regular payment.
- Lump Jumlah – A one-off payment applied immediately nganti the Saldo.
Carane maca asile
- Mortgage-free in – How long the loan lasts with your overpayments.
- Bunga Diirit – Interest without extra payments minus interest with them.
- Payment you make now – The required payment plus your extra amount.
Rumus
The required payment is P × r ÷ (1 − (1 + r)^−n). Each month interest = balance × r, and the whole payment plus extra, minus that interest, reduces the balance. The loop runs until the balance reaches zero.
Conto petungan
A 200,000 balance at 5.5% with 25 years left has a required payment of 1,228.17. Paying 200 more each month clears it in 18 years 9 months, 6 years 3 months sooner, and cuts interest from 168,452 to 120,683, a saving of about 47,770.
Asumsi lan watesan
- A fixed tarif kanggo the rest the term.
- Overpayments are accepted without charge. Many lenders cap penalty-free overpayments, often at 10% of the balance a year.
- The lump Jumlah yaiku Dibayar immediately.
Kesalahan umum
- Overpaying while carrying higher-rate debt such as credit cards. Clear the dearest debt first.
- Using up emergency savings kanggo overpayments.
- Forgetting that a fixed deal may carry an early repayment charge.
Pitakonan sing kerep ditakokake
Apa mbayar luwih mesthi luwih apik tinimbang investasi?
Mbayar luwih menehi asil sing dijamin padha karo suku bunga KPR. Investasi bisa ngasilake luwih akeh nanging ora dijamin, mula wangsulane gumantung suku bunga lan toleransi risiko panjenengan.
Luwih ngirit endi, sakaligus utawa mbayar luwih saben sasi?
Dhuwit sing dibayar luwih dhisik ngirit bunga luwih akeh, mula jumlah sakaligus saiki umume ngirit luwih akeh tinimbang total sing padha disebar pirang-pirang taun.
Piranti sing gegandhengan
Rincian
- Payment you make now
- £1,428.17 saben sasi£1,228.17 required
- Bunga without Tambahan payments
- £168,452.50
- Bunga with Tambahan payments
- £120,682.73
- Bunga Diirit
- £47,769.76
- Asli payoff Wektu
- 25 taun
Saben taun
| Taun | Pokok | Bunga | Saldo |
|---|---|---|---|
| 1 | £6,295 | £10,843 | £193,705 |
| 2 | £6,650 | £10,488 | £187,054 |
| 3 | £7,025 | £10,113 | £180,029 |
| 4 | £7,422 | £9,716 | £172,607 |
| 5 | £7,840 | £9,298 | £164,767 |
| 6 | £8,283 | £8,855 | £156,484 |
| 7 | £8,750 | £8,388 | £147,734 |
| 8 | £9,243 | £7,895 | £138,491 |
| 9 | £9,765 | £7,373 | £128,726 |
| 10 | £10,316 | £6,822 | £118,411 |
| 11 | £10,898 | £6,241 | £107,513 |
| 12 | £11,512 | £5,626 | £96,001 |
| 13 | £12,162 | £4,977 | £83,839 |
| 14 | £12,848 | £4,291 | £70,992 |
| 15 | £13,572 | £3,566 | £57,419 |
| 16 | £14,338 | £2,800 | £43,081 |
| 17 | £15,147 | £1,991 | £27,935 |
| 18 | £16,001 | £1,137 | £11,934 |
| 19 | £11,934 | £263 | £0 |