I-Calculator ye-Mortgage New Zealand
Ubalo lwemali oyihlawulayo ngenyanga kwityala lakho lekhaya - ityala eliphambili, inzala, iirhafu nesibonelelo.
Iinketho ze projekti
Malunga nale Calculator
Iinkcukacha ezibonisiweyo zisebenzisa i-New Zealand engagqibekanga: iindleko kwi-NZD ($) kunye nesampulu yomyinge wenzala we-5%. Ukulungiswa kwexabiso, umhla kunye nenani eliphezulu ukuze usebenzise imodeli yeNew Zealand mortgage yakho yobuqu kwaye ubone uluhlu olupheleleyo lokunciphisa
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.
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 nobungakanani betyala, r umgangatho wenyanga, n inani leemali zenyanga. Iityalo, iinshurensi neHOA zidityaniswa phezulu.
Ingaba ukuhlawula kuqala okuninzi kunyusa ukuhlawula kwam?
Ewe. Ukufumana iindleko eziphezulu kunciphisa inani elixhaswa lityala, elinyusa iindleko zemali ephambili neendleko zetyala kunye neendleko ezipheleleyo ozihlawulayo kwityala.
Yintoni eyenza ukuba ihlawulwe imali engaphezulu ngenyanga?
Imali engaphezulu yesiseko nganye inyanga isetyenziswe ngokuthe 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 yohlawulo lwakho lwanyanga olungenanto ephambili okanye inzala—ihlala i-1/12 yetokhwe yepropathi yonyaka ne-inshurensi yekhaya, kunye ne-PMI kunye ne-HOA yonyaka okanye ezinye iindleko. Umnikeli wakho ugcina le nto kwaye uhlawula ezo zimali ngesandla sakho.
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 khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
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);Results are estimates for general guidance only, not financial, medical or tax advice.