房屋贷款算法,计算器BA II PLUS

我要...

Assume: House value 300,000
        10% down payment
; e( C8 l. ^7 H/ I% j        25 years mortgage (25 * 12 = 300 months)
7 s+ N7 e& y) K9 Q+ J        rate 5.24

2 E* j  n' ^5 ]- p6 V& h1.effective rate 0.43197466
+ _3 ~, x. L  u+ f3 w" [" ~% N  in Canada it is common to have mortgages that have interest compounded semi-annually(5.24/2), with payments made monthly.
   1 pv, 0 pmt, 1.0262 FV, 6 N ----- CPT I/Y = 0.43197466
0 J. W  r( [* G( m( ]2.Adjusted mortgage balance
6 m0 _" ~1 a8 W! v  300,000 * 10% = 30,000 downpayment
& _' x% Z1 n, J  300,000-30,000 = 270,000 mortgage requried
  270,000/300,000 = 90% ---- 2% premium % of loan amount (CMHC)
8 ]) O$ r9 Q$ n  270,000 * 2% = 5,400
% S' k) j3 _* W$ v  adjusted mortgage balance: 270,000 + 5,400 = 275,400
3. PV 275,400, N 300, 0.43197466 I/Y, 0 FV, CPT PMT = $1637.20 monthly payment
" [$ ?) e2 `; t+ L4. TOTAL INTEREST PAID IN 25 YEAR ABOUT $216,157.48