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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 300,0007 {, q4 S7 o) V- B
        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$ S5 s; T/ o+ G; o/ R% \7 P- _

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. ! c" S4 B8 u0 U$ g$ E% B, v  h1 C9 H
   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. |+ x7 h% x" L! W6 O
  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! K6 S$ w* f) Z/ f6 D5 [; ^& D
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
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