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)
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
  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
  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)
  270,000 * 2% = 5,400
  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
4. TOTAL INTEREST PAID IN 25 YEAR ABOUT $216,157.48