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房屋贷款算法,计算器BA II PLUS

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发表于 2008-9-25 13:29 | 显示全部楼层 |阅读模式
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Assume: House value 300,000, M$ q9 |' A- x1 d& S
        10% down payment
5 {" N5 M7 Y3 j4 j        25 years mortgage (25 * 12 = 300 months)
* e9 y/ ?, c6 F0 h( T9 r; v' o$ h        rate 5.24' Y1 J, a& \. U2 W" f
( `  N' q% Y7 V( j
1.effective rate 0.43197466
2 H+ V  t, \% T* @* ~* I$ i& u  in Canada it is common to have mortgages that have interest compounded semi-annually(5.24/2), with payments made monthly.
7 S$ D+ x) R' X6 Y   1 pv, 0 pmt, 1.0262 FV, 6 N ----- CPT I/Y = 0.43197466; ]6 E. h' t: \$ A8 O4 E
2.Adjusted mortgage balance6 N) A1 D9 G6 F" Q* M7 }
  300,000 * 10% = 30,000 downpayment
6 s( d) p3 W7 N. a( q6 _0 \5 x) h  300,000-30,000 = 270,000 mortgage requried
% [( Y- r; a1 S- k9 J  270,000/300,000 = 90% ---- 2% premium % of loan amount (CMHC)
* I- O9 n! G, ]+ T5 m; W  270,000 * 2% = 5,400: P( M, \% `, Q
  adjusted mortgage balance: 270,000 + 5,400 = 275,400
  i2 v$ k% F* U6 V: r3. PV 275,400, N 300, 0.43197466 I/Y, 0 FV, CPT PMT = $1637.20 monthly payment6 @2 k) M6 H8 w; M
4. TOTAL INTEREST PAID IN 25 YEAR ABOUT $216,157.48
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