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房屋贷款算法,计算器BA II PLUS

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发表于 2008-9-25 13:29 | 显示全部楼层 |阅读模式
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Assume: House value 300,000+ y1 i$ R6 e" P" ~- W
        10% down payment
# A( [) A" T5 Q  s( |) e        25 years mortgage (25 * 12 = 300 months)
7 W; n& _: ?3 V& }( O7 H" Q        rate 5.24
% G/ P6 `' C$ ]; @, K6 p  q5 A* S4 I  s1 L
1.effective rate 0.43197466
, V  F, h1 l+ I1 G0 E2 _9 m  in Canada it is common to have mortgages that have interest compounded semi-annually(5.24/2), with payments made monthly. 8 L# f# l# T* V1 ]/ Z# d) d
   1 pv, 0 pmt, 1.0262 FV, 6 N ----- CPT I/Y = 0.43197466, s1 g1 P, o" e  F- S3 F/ m
2.Adjusted mortgage balance. C  k4 |5 c: q# {0 Z; w& u! k
  300,000 * 10% = 30,000 downpayment- c5 d0 R& C  T. ]
  300,000-30,000 = 270,000 mortgage requried7 h* P- i1 Z" P8 n4 d) v
  270,000/300,000 = 90% ---- 2% premium % of loan amount (CMHC)
) ~; i; Y( J3 J$ T  270,000 * 2% = 5,400
0 m  W7 K7 c/ S1 W  adjusted mortgage balance: 270,000 + 5,400 = 275,400( g: f8 v7 ?4 O! k7 K# O( T7 |
3. PV 275,400, N 300, 0.43197466 I/Y, 0 FV, CPT PMT = $1637.20 monthly payment3 d5 f) }9 |% {3 G( @5 r
4. TOTAL INTEREST PAID IN 25 YEAR ABOUT $216,157.48
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