Kalkaaliyihii Mortgage New Zealand
Qiimayn lacagaha bishan ee deynta guriga – qiimaha, faa'iidada, canshuuraha iyo caymiska.
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
Xisaabaadka la muujiyay isticmaalka New Zealand defaults: lacagaha NZD ($) iyo heerka faa'iido tusaale ah 5%. Edit lacagta, muddada iyo qiimaha kor ku xusan si ay u qaabeeyaan New Zealand gurigaada oo aad u aragto qorshaha amortization buuxa.
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.
Su'aalaha badanaa la isweydiiyo
Sidee ayaa la xisaabiyaa lacag bixin ah?
Qaybta ugu weyn iyo faa'iido qaybta isticmaalaa foomka caadiga ah ee amortization: M = P·r·(1+r)^n / ((1+r)^n - 1), halkaas oo P waa lacag la siiyo, r qiimaha bil kasta, iyo n tirada lacagta bil kasta. Tax, caymiska iyo HOA waxaa lagu daray kor.
Ma lacag bixin weyn ayaa hoos u dhigi doonta lacagteyda?
Haa. Lacagta hoose ee weyn waxay yareysaa lacagaha la maalgeliyo, taas oo hoos u dhigta lacagta billaha ah ee lacagta iyo faa'iidada iyo faa'iidada guud ee aad ku bixiso deynta.
Maxaa ka dhigaya lacag dheeraad ah oo bille ah?
Cashuurta ugu weyn ee dheeraadka ah bishii kasta waxaa la isticmaalaa si toos ah oo la xisaab, sidaas darteed deynta waa la bixiyo off hore iyo aad bixiso si aad u yar oo aad u badan oo faa'iido guud. Inkasta oo lacag yar oo dheeraad ah oo hore ee deynta waxaa jira saameyn oversized sababtoo ah waxay ka saartaa faa'iido in ay la isku darsaday muddo sano ah.
Maxaa ku jira lacag bixinta deyn-qaadista?
Escrow waa qayb ka mid ah lacagaha bishan oo aan aheyn aasaasiga ah ama faa'iido - caadi ahaan 1/12 ee canshuurta hantida sanadlaha ah iyo caymiska guriga, iyo PMI iyo HOA bishan ama lacagaha kale. Lacagtaada bixiyaha waa uu haystaa oo bixiyaa billadahaas adiga kugu magacowday.
Ma dooran karaa 15 sano ama 30 sano oo deyn ah?
15-sano oo muddo ah waxaa la siiyaa lacag bille ah oo ka sarreeya laakiin heerka hooseeya iyo faa'iido guud oo aad u yar, maadaama aad lacag ku amaahdo nus sida dheer. 30-sano oo muddo ah waxay siinayaan lacag bille ah oo hooseeya oo isbeddelaya.
Waa maxay PMI iyo marka aan u baahanahay in aan bixiyo?
Iibsiga guryaha gaarka loo leeyahay wuxuu ilaaliyaa deyn bixiyaha marka aad lacagaha hoos u hooseysa 20% qiimaha. Waxaa lagu daray lacagaha bishan oo badanaa waxaa la soo saaray marka aad ku dhistay ilaa 20% saamiga. Ku soo gasho PMI sanadle ah oo ku qoran doorashooyinka horumarsan si ay u soo bandhigaan.
Sidee bay qiimaha lacagtaada u beddelaysaa?
Qiimaha waxaa ka mid ah saameyn weyn oo ku saabsan muddo dheer. On 280,000 deyn ka badan 30 sano, mid kasta oo mid-punto kor u qaado ee qiimaha ku daray in ka badan 150-180 in bishii ugu weyn iyo faa'iido, iyo boqolaal kun oo faa'iido guud.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
GET https://calculator.free/api/v1/mortgage/?country=nzcurl
curl "https://calculator.free/api/v1/mortgage/?price=350000&down=70000&rate=5.0&years=30"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/mortgage/?" + new URLSearchParams({
"price": "350000",
"down": "70000",
"rate": "5.0",
"years": "30"
}));
const data = await r.json();
console.log(data.results);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.