Down payment calculator
How much 首付 you need件different loan-to-value levels 和 how long it takes 至 save.
关于Down payment calculator
How much 首付 you need件different loan-to-value levels 和 how long it takes 至 save.
属于 SmartCalcy“房贷与房地产”板块。它在你的浏览器中运行，无需账号，使用你自己的货币和单位（可在页面顶部更改），所给结果仅为估算、仅供参考，因此在依赖结果之前请查阅官方指引。
如何使用Down payment calculator
它计算什么，何时使用
Find the deposit you need at different percentages a home’s price 和 how long it will take 至 save、using your 电流 savings, 每月 节省、利息.
使用步骤
- Enter the 首页 价格 和 the 首付 百分比 you want.
- Enter what you have saved、第 how much you can save each mon 次、the 利息 you earn.
- Read the time 至 reach the target 和 the table common deposit levels.
各输入项的含义
- 首付 you want – A 百分比 the 价格.
- Saved so far – The 数量 already set aside.
- 每月 节省 – 第 How much you add each mon 次.
- 利息 on savings – The 每年 return you expect.
如何阅读结果
- 储蓄时间 – 个月 和 年数 直到 savings reach the 目标.
- 首付 table – The cash needed 和 the loan left at 3.5%、5%, 10%, 15%、20%.
公式
目标 = 价格 × 首付 %. The 个月 n satisfy savings × (1 + i)^n + 每月 × ((1 + i)^n − 1) ÷ i = 目标, where i 是 the monthly interest rate. The solution 是 n = ln((target + monthly ÷ i) ÷ (savings + monthly ÷ i)) ÷ ln(1 + i).
计算示例
For a 350,000 首页 和 a 10% deposit the target 是 35,000. Starting from 10,000 和 saving 800 a month at 4% takes 2 years 5 个月.
假设与局限
- 利息 compounds 每月 和 is not taxed.
- 首页 prices are held flat while you save, but they could rise.
常见错误
- Leaving out buying costs on top the 首付.
- 节省件20% when a lower 首付 with good terms may suit you.
常见问题
操作 I need 20%?
否. In the US a smaller 首付 usually means private mortgage insurance. In the UK、rates often improve 以 10%, 15%、25% deposits.
相关工具
详情
- Reach it around
- 2029年4月
- Loan you would need
- £315,000
- 总计 you save
- £23,200.00
首付 以 common levels
| 首付 | 数量 | 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 |