埃德蒙顿华人社区-Edmonton China

 找回密码
 注册
查看: 1447|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
/ O5 f. L% `* P" }; P4 d        10% down payment
! d! o& V+ W0 I: G7 a/ {# k# i        25 years mortgage (25 * 12 = 300 months)0 I) T/ k7 O9 b2 E
        rate 5.24, k$ q5 e# F, p

: j9 W, i" R/ h1.effective rate 0.43197466
# |  v7 G* H6 V" t  in Canada it is common to have mortgages that have interest compounded semi-annually(5.24/2), with payments made monthly. 0 d; `* W% a7 N$ _8 t! s8 H
   1 pv, 0 pmt, 1.0262 FV, 6 N ----- CPT I/Y = 0.43197466
5 o4 L5 g0 y/ k6 m( z1 {2.Adjusted mortgage balance/ _3 f! @/ L. j6 B  O* R0 N3 U4 {
  300,000 * 10% = 30,000 downpayment
7 {& S1 f0 f% v  300,000-30,000 = 270,000 mortgage requried
  [  I7 _7 B9 n' J6 L  270,000/300,000 = 90% ---- 2% premium % of loan amount (CMHC)
# a2 J7 t: B% \  270,000 * 2% = 5,400
% f$ @+ W1 s; G! I# d9 C  adjusted mortgage balance: 270,000 + 5,400 = 275,400
3 M6 H& p' `' W8 M1 \; v4 c" K4 P3. PV 275,400, N 300, 0.43197466 I/Y, 0 FV, CPT PMT = $1637.20 monthly payment  {9 L) Q+ {& D3 b: W# ^! q& t
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, 2025-9-21 17:17 , Processed in 0.060806 second(s), 10 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