Hesabu ya Bei New Zealand

Makadirio ya malipo yako ya mkopo nyumbani ya kila mwezi ya faida, kodi na bima.

Marekani Uingereza KASONGO Australia India MOSHI New Zealand Afrika Kusini
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Kiasi cha juu kinacholipwa na kilichobaki kinagharimiwa.
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Kiwango cha riba cha kila mwaka (APR).
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Bima ya kibinafsi ya rehani, kwa kawaida ilihitajika chini ya asilimia 20 ya gharama za chini.
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Kila mwezi, mkuu wa shule hufupisha mkopo huo na kupunguza riba.
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Malipo ya Mwezi —
Mhusika mkuu na upendezi —
Kodi, bima, PMI & ada —
Kiasi cha Loan —
Jumla ya riba iliyolipwa —
Jumla ya malipo yote —
Kujifurahisha —

Matokeo yanakuwa bora zaidi unapochapa.

Je, hesabu hiyo ilikupa jibu linalofaa?

Kuhusu kifaa hiki cha kupigia hesabu

Takwimu zilionyesha matumizi ya New Zealand zikikosa: kiasi cha NZD ($) na kiwango cha riba cha kiasi cha 5. Tumia kiasi hicho, neno na kiwango kilicho juu ili kufanyiza amana yako mwenyewe ya New Zealand na kuona ratiba kamili ya kutoa sala.

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.

Maswali yaliyoulizwa mara nyingi

Malipo ya rehani hukadiriwaje?

Sehemu kuu na ya riba hutumia kanuni ya msingi ya kutoa mkopo: M = P·r· 171+r) din / (1+r)[5] kujali 1)), ambapo P ndiyo mkopo, sawa na kiwango cha kila mwezi, na ikilinganishwa na idadi ya malipo ya kila mwezi. Kodi, bima na HANA huongezwa juu.

Je, kiasi kikubwa zaidi cha malipo yangu kinapunguza mshahara wangu?

Malipo makubwa zaidi ya kupunguza matumizi ya fedha yanayogharimiwa, ambayo hupunguza riba yote inayolipwa na mkuu wa kila mwezi na riba yote mnayolipa kwa mkopo huo.

Malipo zaidi ya kila mwezi hufanya nini?

Na mkopo huo hulipwa mshahara mdogo sana kila mwezi, kwa hiyo unalipwa mapema zaidi na unalipa riba ya chini zaidi.

Ni nini kinachotiwa ndani ya malipo ya kulipa pesa?

Escrow is the part of your monthly payment that is not principal or interest — typically 1/12 of the annual property tax and home insurance, plus any PMI and monthly HOA or other fees. Your lender holds it and pays those bills on your behalf.

Je, nichague rehani ya miaka 15 au 30?

A 15-year term has a higher monthly payment but a lower rate and far less total interest, since you borrow the money for half as long. A 30-year term keeps the monthly payment low and flexible. Enter each term to compare the monthly cost and lifetime interest side by side.

PMI ni nini na ni lini nilazimikapo kulipa?

Private mortgage insurance protects the lender when your down payment is below 20% of the price. It is added to the monthly payment and can usually be dropped once you have built up about 20% equity. Enter an annual PMI figure under advanced options to include it.

Kiasi cha riba kinabadili kiasi gani cha malipo yangu?

The rate has a large effect over a long term. On a 280,000 loan over 30 years, each one-point rise in the rate adds roughly 150–180 to the monthly principal and interest, and tens of thousands to the total interest. It is worth shopping around.

Vifaa vya Kupima Gharama

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API bustanini hutumia kifaa hiki cha hesabu kutoka kwenye mfumo wa sheria

Ipigie simu kifaa hiki cha kupigia hesabu kama Junse É not doot toder. Chochote unachoacha kinatumia kiwango kilekile cha mwisho ambacho ukurasa huu haujakamilika; parameta isiyojulikana ni 400, si sufuri kimya kamwe. Soma habari kamili za API docs →

keyboard label

GET https://calculator.free/api/v1/mortgage/?country=nz

curl

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);

Matokeo ni makadirio ya mwongozo wa ujumla, si wa kifedha, wa kitiba au wa kodi tu.