Mortgage Calculator Australia
Kufungidzira yako yemwedzi mari yemari yemubhadharo — mari, interest, tax, uye insurance.
Zvinyorwa zvinogadziridzwa paunenge uchinyora.
Nezve iyi kalkulator
Zvimwe zvinyorwa zvinoratidzwa zvinoshandisa zvisirizvo zveAustralia: mari mu AUD ($) uye muyero wemufananidzo we 6.2%. Kuchinja mari, nguva uye mari yemari pamusoro kuti uite yako Australia mortgage uye tarisa iyo yakazara amortization schedule.
A mortgage calculator estimates 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.
For example, a 350,000 home with 70,000 down leaves a 280,000 loan. At a 6% annual rate over 30 years the principal and interest works out to about 1,679 a month, and over the full term you would pay roughly 324,000 in interest — more than the original loan itself. Adding property tax and insurance through the escrow fields raises the monthly figure but shows the payment your lender actually collects each month.
Use a mortgage calculator before house-hunting to set a realistic budget, to compare a 15-year against a 30-year term, or to see how a larger down payment or an extra 100 a month shrinks both your payoff date and the total interest you hand over.
Zvimwe zvinobvunzwa zvakanyanya
Sei mari yemutero inonzi mortgage payment inonzi?
Mutengo wemari yechikwereti uye mari yemutero unoratidzwa nefomu yemutero wemutero: M = P·r·(1+r)^n / ((1+r)^n − 1), uko P inonzi mari yechikwereti, r inonzi mari yemwedzi, uye n inonzi nhamba yemwedzi yechikwereti.
Chii chinoitika kana ndichibhadhara mari yakawanda?
Kana uchibhadhara mari yakawanda, zvinoderedza mari yaunobhadhara, izvo zvinoderedza mari yemubhadharo wemwedzi nemari yemubhadharo wemubhadharo we
Chii chinonzi chikwereti chemwedzi?
Zvimwe zvikwereti zvemwedzi zvinobhadharwa zvakananga kumari yemubhadharo, saka mari inobhadharwa zvakapfuura uye iwe unobhadhara zvishoma. Kunyangwe chikwereti chidiki chichibhadharwa zvakapfuura, chinopa mhedzisiro yakawandisa nekuti chinobvisa mari yemubhadharo yainge yawedzera mumakore apfuura.
Chii chinosanganisirwa mukubhadhara kweEscrow?
Escrow ndiyo chikamu chemwedzi wako wekubhadhara kuti haasi mukuru kana kufarira — zvinoitika 1/12 yegore pfuma tax uye imba insurance, pamwe nezvose PMI uye gore HOA kana zvimwe mitero. wako mubhadhari anochengeta uye anobhadhara mabhajeti aya pamusoro penyu.
Ndinofanira kusarudza 15-year kana 30-year mortgage?
Mutemo wemakore 15 une mari yemwedzi yakawanda asi mutengo wakaderera uye mari yemubhadharo wakaderera, nekuti unotora mari yako kwenguva pfupi. Mutemo wemakore 30 unochengeta mari yemwedzi yakawanda yakaderera uye yakaoma. Dzvanya pane imwe nguva kuti uenzanise mari yemwedzi nemari yemubhadharo wehupenyu.
Chii chinonzi PMI uye nguva yandiri kuda kubhadharwa nayo?
Private mortgage insurance inodzivirira mubhadhari kana mari yacho ichikwira pasi pe20% yemari yacho.Inowedzera kumwedzi mari yemubhadharo uye inogona kuiswa pasi kana iwe wawana mari inosvika 20%.Imba PMI yegore rimwe chete pasi pe advanced options kuti uite izvi.
Chii chinochinja mari yemubhadharo wangu kana ndichichinja mari yemubhadharo?
Kubhadhara mari iyi kunopa mhedzisiro yakakura munguva pfupi. Pamari yese yemari inosvika 280,000 yekuti ubhadhare mari yemari inosvika 30 years, kana mari ichikwira ne1% inowedzera mari inosvika 150-180 yemari yemwedzi nemari yemutero, uye zviuru zvemadhora ekubhadhara mari yemutero.
API — kushandisa iyi kalkulator kubva code
Nhare iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo mavara pasi separameter query kana JSON. Chii zvachose chaunoisa kunze chinoshandisa default iyo peji iri rakasviba nayo; parameter isiri yechokwadi inonzi 400, uye haisi zero. Tora yakazara API docs →
Endpoint
GET https://calculator.free/api/v1/mortgage/?country=aucurl
curl "https://calculator.free/api/v1/mortgage/?price=350000&down=70000&rate=6.2&years=30"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/mortgage/?" + new URLSearchParams({
"price": "350000",
"down": "70000",
"rate": "6.2",
"years": "30"
}));
const data = await r.json();
console.log(data.results);Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.