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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 300,0004 Q( Z' W7 F, h' c: e3 F
        10% down payment # J7 m  t* r; j7 i( s) D
        25 years mortgage (25 * 12 = 300 months)
2 k5 A4 e  @9 s) F        rate 5.24
, ~' K2 u; q/ |" n0 P5 Z9 i& |8 y$ O3 {
, q# _5 m  m0 ^1.effective rate 0.43197466' {: W, `$ ]3 y
  in Canada it is common to have mortgages that have interest compounded semi-annually(5.24/2), with payments made monthly. * j" M6 X% G" H( t% t8 n
   1 pv, 0 pmt, 1.0262 FV, 6 N ----- CPT I/Y = 0.43197466
  u' i$ j4 M' \4 C5 }/ @& Z" }- p2.Adjusted mortgage balance
$ s  Z3 o/ T4 T/ Z) z# n$ ~  300,000 * 10% = 30,000 downpayment
5 P$ @! d! r! H8 d8 Z  300,000-30,000 = 270,000 mortgage requried
: I. \: r3 b5 i8 t  270,000/300,000 = 90% ---- 2% premium % of loan amount (CMHC)6 I! L* ]0 J3 V* v. I% `0 i  X
  270,000 * 2% = 5,400& p% w- O+ e" ^
  adjusted mortgage balance: 270,000 + 5,400 = 275,400
  u7 e2 z* p6 f" v( U3. PV 275,400, N 300, 0.43197466 I/Y, 0 FV, CPT PMT = $1637.20 monthly payment$ [. r) ~* g; `( G) |: G3 H. |; p
4. TOTAL INTEREST PAID IN 25 YEAR ABOUT $216,157.48
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