房屋贷款算法,计算器BA II PLUS

我要...

Assume: House value 300,000
, A, }, w3 V, n7 J% O1 f        10% down payment
% Y/ T$ |1 u1 J        25 years mortgage (25 * 12 = 300 months)
+ l3 J$ u# e% d        rate 5.24

( S8 V3 [1 {2 [) ]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
4 A, T& }& C/ L) A. ^/ K  300,000 * 10% = 30,000 downpayment
& ~3 f, d- M  Y3 Q0 y  300,000-30,000 = 270,000 mortgage requried
% C' k( f8 t4 i  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
) @2 p5 z9 G# b3. 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