I-Calculator ye-Mortgage United States ye MelikaName
Ubalo lwemali oyihlawulayo ngenyanga kwityala lakho lekhaya - ixabiso eliphambili, inzala, iirhafu nesibonelelo.
Iinketho ze projekti
Malunga nale Calculator
Iinkcukacha ezibonisiweyo zisebenzisa United States ye MelikaName ezimiselweyo: ixabiso kwi USD ($) kunye nesampuli yomyinge wenzala ye 6.5%. Hlela inani, ixesha kunye nexabiso phezulu ukuze usebenzise imodeli yakho United States ye MelikaName ye-hypotheke kwaye ubone uluhlu olupheleleyo lokuhlawula.
mortgage calculator calculates the monthly payment on a home loan from three core numbers: the amount you borrow (the home price minus your down payment), the annual interest rate and the length of the loan. The principal-and-interest portion comes from the standard amortization formula, so every payment is the same size — early payments are mostly interest and later ones mostly principal, until the balance reaches zero at the end of the term. Turn on advanced options to layer property tax, home insurance, PMI, HOA and extra payments on top for a true monthly figure. The mortgage calculator calculates the monthly payment on a home loan from three core numbers: the amount you borrow (the home price minus your down payment), the annual interest rate and the length of the loan. The principal-and-interest portion comes from three core numbers: the amount you borrow (the home price minus your down payment), the annual interest rate and the length of the loan. The monthly payment on a home loan from three core numbers: the amount you borrow (the home price minus your down payment), the annual interest rate and the length of the loan.
Imibuzo ebuza rhoqo
Ityala letyala licalwa njani?
Inxalenye yemali ephambili neyenzala isebenzisa ifomula eqhelekileyo yokunciphisa iindleko: M = P·r·(1+r)^n / ((1+r)^n − 1), apho iP imalunga nemali efunekayo, i-r ixabiso lenyanga, ne-n inani leemali zenyanga. Iityalo, i-inshorensi ne-HOA zidityaniswa phezulu.
Ingaba ukuhlawula kuqala okuninzi kunyusa ukuhlawula kwam?
Ewe. Ukufumana iindleko eziphezulu kunciphisa inani elixhaswayo, elinyusa iindleko zemali ephambili neendleko zenzuzo kunye neendleko zenzuzo ezipheleleyo ozenzayo kwityala.
Yintoni eyenza ukuba ihlawulwe imali engaphezulu ngenyanga?
Imali engaphezulu yesiseko nganye inyanga isetyenziswe ngqo kwimali ekhoyo, ngoko ke ityala lihlawulwe kuqala kwaye uhlawule inzala encinci kakhulu. Nakuba ixabiso elincinci elingaphezulu liqala kuqala kwityala linomthelela ongaphezulu ngenxa yokuba lisusa inzala enokuthi ikhule kwiminyaka emininzi.
Yintoni equka ityala le-escrow?
I-Escrow yinxalenye yemali oyihlawulayo nganye inyanga eyiyo ityala eliphambili okanye inzala—ihlala i-1/12 yetokhwe yonyaka yepropathi kunye ne-inshurensi yekhaya, kunye ne-PMI kunye ne-HOA yonyaka okanye ezinye iindleko. Umnikeli wakho ugcina le mali kwaye uhlawula ezo zimali ngegama lakho.
Ngaba kufuneka ndikhethe ityala elineminyaka eli-15 okanye eli-30?
Ixesha eli-15 leminyaka linika intlawulo engaphezulu ngenyanga kodwa linika umyinge wenzala omncinci kunye nenzuzo encinci kakhulu, kuba uthatha imali ngetyala ixesha elingaphantsi kwelo. Ixesha eli-30 leminyaka ligcina intlawulo yenyanga iphantsi kwaye ilula. Faka ixesha ngalinye uthelekiso lwexabiso lenyanga kunye nenzuzo yobomi ngalinye.
Yintoni i-PMI yaye ndimele ndiyihlawule nini?
Isiqinisekiso semali ethethwayo sikhusela umxokelelwano xa uhlawulwe ngaphantsi kwe-20% yexabiso. Idityaniswa kwimali ethethwayo nganye inyanga kwaye ihlala isuswa xa uphuhlise i-20% yexabiso elipheleleyo. Faka umyinge wama-PMI ngonyaka phantsi kweenketho eziphambili ukuze uyiqulethe.
Itshintsha njani inzala intlawulo yam?
Umgangatho usebenza kakhulu kwixesha elide. Kwityala elimalunga ne-280,000 elidlula kwiminyaka emi-30, ukukhula kwenqanaba elinye kumgangatho kudibanisa malunga ne-150-180 kwimali ephambili kunye nenzuzo yenyanga, kunye namawaka amaninzi kwinzuzo epheleleyo. Kufanelekile ukuthenga phantsi.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le kalkulator njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo engezantsi njengeparameter yombuzo okanye i-JSON. Funda i-API epheleleyo →
Incopho yesiphelo
GET https://calculator.free/api/v1/mortgage/curl
curl "https://calculator.free/api/v1/mortgage/?price=350000&down=70000&rate=6.5&years=30"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/mortgage/?" + new URLSearchParams({
"price": "350000",
"down": "70000",
"rate": "6.5",
"years": "30"
}));
const data = await r.json();
console.log(data.results);IiNtlanganiso zeNtlanganiso yeNtlanganiso