首页 equity loan calculator

如何使用首页 equity loan calculator

它计算什么，何时使用

Work out how much you could borrow against your 首页 和 the fixed payment on a 首页 equity (second mortgage) loan.

使用步骤

1. Enter the 首页 数值 和 电流 mortgage 余额.
2. Set the 最大值 combined loan-to-value your lender allows.
3. Enter the 利息 利率 和 term, 和 the amount you want 至 borrow.

各输入项的含义

• Combined loan-to-value – The 最大值 mortgage plus new loan as a percentage value. Lenders commonly use 80–85%.
• 数量 至 borrow – Leave blank 至 use the 最大值.

如何阅读结果

• Equity you could borrow – 数值 × limit − mortgage 余额.
• Combined LTV after – Mortgage plus new loan ÷ 数值.
• 月供 – The fixed payment over the 期限.

公式

Available = 数值 × limit − mortgage 余额. Payment = 数量 × r ÷ (1 − (1 + r)^−n), where r 是 the 每年 利率 ÷ 12.

计算示例

A 400,000 home with a 240,000 mortgage 和 an 85% limit leaves 100,000 至 borrow. At 8.25%件15 years the payment 是 970.14、total interest 是 74,625、the combined loan-to-value 是 85%.

假设与局限

• Fixed 利率 和 equal payments.
• Fees 和 valuation costs are excluded.
• The 首页 secures the loan.

常见错误

• Borrowing the 最大值件non-essential spending.
• Forgetting that missed payments put your 首页 以 risk.

常见问题

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