Calculator ng pagbabayad ng mortgage
Tingnan kung paano pinapaikli ng dagdag na buwanang bayad o lump sum ang mortgage mo at binabawasan ang interes.
Tungkol sa Calculator ng pagbabayad ng mortgage
Tingnan kung paano pinapaikli ng dagdag na buwanang bayad o lump sum ang mortgage mo at binabawasan ang interes.
Bahagi ng seksyong “Mortgage at real estate” ng SmartCalcy. Tumatakbo ito sa browser mo nang walang account, gumagamit ng sarili mong currency at units (palitan ang mga ito sa itaas ng page), at nagbibigay ng tantiya para sa impormasyon lamang, kaya tingnan ang opisyal na gabay bago umasa sa resulta.
Paano gamitin ang Calculator ng pagbabayad ng mortgage
Ano ang kinukuwenta nito at kailan ito gagamitin
Ipinapakita ng calculator na ito kung gaano ka kaaga makakalaya sa mortgage, at kung magkano ang matitipid mong interes, kung mag-o-overpay ka bawat buwan o magbabayad ng isang beses na lump sum.
Paano ito gamitin, hakbang-hakbang
- Ilagay ang kasalukuyang balanse mo, interest rate at natitirang taon.
- Idagdag ang dagdag na halagang kaya mong ibayad bawat buwan at anumang lump sum na kaya mong ibayad ngayon.
- Ikumpara ang bagong panahon ng pagbabayad at interes sa orihinal na plano.
Ano ang ibig sabihin ng bawat input
- Mortgage Balanse now – What you still owe, not the original loan.
- Interes rate – Your current Taunan rate.
- Taon left – The remaining Termino on the mortgage.
- Dagdag bawat buwan – Money added hanggang Bawat isa regular payment.
- Lump sum – A one-off payment applied immediately hanggang the Balanse.
Paano basahin ang mga resulta
- Mortgage-free in – How long the loan lasts with your overpayments.
- Interes Natipid – Interest without extra payments minus interest with them.
- Payment you make now – The required payment plus your extra amount.
Ang formula
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.
Isang halimbawa
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.
Mga palagay at limitasyon
- A fixed rate sa halagang the rest na the term.
- Overpayments are accepted without charge. Many lenders cap penalty-free overpayments, often at 10% of the balance a year.
- Ang The lump sum ay Bayad immediately.
Karaniwang pagkakamali
- Overpaying while carrying higher-rate debt such as credit cards. Clear the dearest debt first.
- Using up emergency savings sa halagang overpayments.
- Forgetting that a fixed deal may carry an early repayment charge.
Mga madalas itanong
Laging mas mabuti ba ang mag-overpay kaysa mag-invest?
Ang overpayment ay may garantisadong kita na katumbas ng rate ng mortgage mo. Maaaring mas malaki ang kita sa pag-invest pero hindi ito garantisado, kaya ang sagot ay depende sa rate at sa risk tolerance mo.
Alin ang mas nakakatipid, lump sum o buwanang overpayment?
Mas maraming interes ang natitipid ng perang mas maagang ibinayad, kaya karaniwang mas nakakatipid ang lump sum ngayon kaysa sa parehong kabuuan na hinati sa ilang taon.
Kaugnay na tools
Detalye
- Payment you make now
- £1,428.17 kada buwan£1,228.17 required
- Interes without Dagdag payments
- £168,452.50
- Interes with Dagdag payments
- £120,682.73
- Interes Natipid
- £47,769.76
- Orihinal payoff Oras
- 25 taon
Taon-taon
| Taon | Principal | Interes | Balanse |
|---|---|---|---|
| 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 |