房屋贷款算法,计算器BA II PLUS

我要...

Assume: House value 300,000
        10% down payment
        25 years mortgage (25 * 12 = 300 months)
$ ?- M& U# J$ q/ Z% V5 M6 _+ H5 e3 V        rate 5.24
$ |, Z- s/ h* x; k( R. E3 a( J
1.effective rate 0.43197466
  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
2.Adjusted mortgage balance
% [) r, k; ^! I+ S" I: I  300,000 * 10% = 30,000 downpayment
( S! k' v/ g+ M/ j  300,000-30,000 = 270,000 mortgage requried
* K; U2 X7 j( Q( Z  ]) ?  270,000/300,000 = 90% ---- 2% premium % of loan amount (CMHC)
  270,000 * 2% = 5,400
  adjusted mortgage balance: 270,000 + 5,400 = 275,400
$ W8 R! C; f. _! l7 B! O2 w  L0 y3. PV 275,400, N 300, 0.43197466 I/Y, 0 FV, CPT PMT = $1637.20 monthly payment
; m$ B5 r) w8 ]: Y7 Q1 K  w- f4. TOTAL INTEREST PAID IN 25 YEAR ABOUT $216,157.48