房屋贷款算法,计算器BA II PLUS

我要...

Assume: House value 300,000
$ P& c2 Q* D9 {9 g        10% down payment
        25 years mortgage (25 * 12 = 300 months)
        rate 5.24
) R- L2 ^3 |# O' C" _: |3 m
: M( m# H! l  w/ R5 A: w$ |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
0 @5 t. a" V3 D1 D/ p1 h, B9 Y2.Adjusted mortgage balance
, V7 C# C. ]2 A9 \& v  300,000 * 10% = 30,000 downpayment
9 r( y& o9 {3 Z6 `! b- c' o  300,000-30,000 = 270,000 mortgage requried
, X5 @7 w; a5 j: N6 B+ A( m" U4 ~  270,000/300,000 = 90% ---- 2% premium % of loan amount (CMHC)
7 g5 a: l, m! Y% u* ~* ]  270,000 * 2% = 5,400
# d: p: B2 B3 B9 W, @, X  adjusted mortgage balance: 270,000 + 5,400 = 275,400
3. PV 275,400, N 300, 0.43197466 I/Y, 0 FV, CPT PMT = $1637.20 monthly payment
+ a' q+ j8 L; o3 ]" d2 {4. TOTAL INTEREST PAID IN 25 YEAR ABOUT $216,157.48