埃德蒙顿华人社区-Edmonton China

 找回密码
 注册
查看: 1424|回复: 0

房屋贷款算法,计算器BA II PLUS

[复制链接]
鲜花(0) 鸡蛋(0)
发表于 2008-9-25 13:29 | 显示全部楼层 |阅读模式
老杨团队,追求完美;客户至上,服务到位!
Assume: House value 300,000
4 s, c9 x) y0 o2 Y' [0 f# u        10% down payment
  o6 `7 @5 K; S/ J. S        25 years mortgage (25 * 12 = 300 months)
. u1 L& V( C) O# P        rate 5.24! [- r  `) q3 }# V9 |& Q
4 `& u1 I9 T7 m- s5 E- v% N/ U: j
1.effective rate 0.43197466
) S' H% A$ ~5 t- C$ q  in Canada it is common to have mortgages that have interest compounded semi-annually(5.24/2), with payments made monthly. ; J. x4 g5 V1 R; Y( x% ^
   1 pv, 0 pmt, 1.0262 FV, 6 N ----- CPT I/Y = 0.43197466& n& x) y  g3 V, E$ O8 R
2.Adjusted mortgage balance
% b8 I/ t, y9 i" L0 q0 a$ r  300,000 * 10% = 30,000 downpayment4 N: o& ^. T6 L- K% b) m! [
  300,000-30,000 = 270,000 mortgage requried
) T" ~1 m$ U$ f  {3 Z, q  B% \  Z$ s  270,000/300,000 = 90% ---- 2% premium % of loan amount (CMHC)$ X( U$ \7 u6 R( h: ?" v
  270,000 * 2% = 5,400
6 t: z" |: p1 s) l3 m  adjusted mortgage balance: 270,000 + 5,400 = 275,400' ]+ y* U* v5 D7 g
3. PV 275,400, N 300, 0.43197466 I/Y, 0 FV, CPT PMT = $1637.20 monthly payment9 ~7 i0 R0 ~, w6 @. {; C! j
4. TOTAL INTEREST PAID IN 25 YEAR ABOUT $216,157.48
您需要登录后才可以回帖 登录 | 注册

本版积分规则

联系我们|小黑屋|手机版|Archiver|埃德蒙顿中文网

GMT-7, 2025-8-4 05:41 , Processed in 0.152647 second(s), 9 queries , Gzip On, APC On.

Powered by Discuz! X3.4

Copyright © 2001-2021, Tencent Cloud.

快速回复 返回顶部 返回列表