I-Calculator ye-Mortgage i-New Zealand
Uhlu lwezinkokhelo zendlu yakho zonyaka - izimali eziyinhloko, izimali ezikhokhelwa ngemali, izimali zomphakathi kanye nezimali zokuphepha.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
Amasithombe abonisayo asebenzisa i-New Zealand okuzenzakalelayo: inani ku NZD ($) kanye nesampula yesilinganiso senzuzo se 5%. Hlela inani, isikhathi kanye nezinga ngasentshonalanga ukuze umodele i i-New Zealand mortgage yakho futhi ubone isikhashana esigcwele sokubuyiselwa imali.
you have a mortgage, you can use a mortgage calculator to calculate the monthly payment on a home 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. If you have a mortgage, you can use a mortgage calculator to calculate the monthly payment on a home loan.Use a mortgage calculator before house-hunting to set a realistic budget, to compare a 15-year against a 30-year term.Use a mortgage calculator before house-hunting to set a realistic budget, to compare a 15-year against a 30-year term.Use a mortgage calculator before house-hunting to set a realistic budget, to compare a 15-year against a 30-year term.Use a mortgage calculator before house-hunting to set a realistic budget, to compare a 15-year against a 30-year term.Use a mortgage calculator before house-hunting to set a realistic budget, to compare a 15-year against a 30-year term.Use a mortgage calculator before house-hunting to set a realistic budget, to compare a 15-year against a 30-year term.Use a mortgage calculator before house-hunting to set a realistic budget, to compare a 15-year against a 30-year term.Use a mortgage calculator before house-hunting to set a realistic budget, to compare a 15-year against a 30-year term.Use a mortgage calculator before house-hunting to set a realistic budget, to compare a 15-year against a 30-year term.Use a mortgage calculator before house-hunting to set a realistic budget, to compare a 15-year against a 30-year term.Use a mortgage calculator before house-hunting to set a realistic budget, to compare a 15-year against a 30-
Imibuzo ebuzwa kaningi
Ukhokhwa kanjani umholo we-mortgage?
Ingxenye yezimali eziyinhloko nezokwehlisa isebenzisa ifomula ejwayelekile yokulahleka kwezimali: M = P·r·(1+r)^n / ((1+r)^n − 1), lapho iP ilingana nenani lemali ekhokhwayo, r isilinganiso sonyaka, n inani lemali ekhokhwayo yonyaka. Izimali, inshuwalense ne-HOA zifakwa phezulu.
Ingabe ukukhokha okuncane kunciphisa ukukhokha kwami?
Yebo. Ukwehla okukhulu kwemali ekhokhwa kunciphisa inani elikhokhelwa, elinciphisa izindleko zonyaka kanye nenzuzo kanye nenzuzo ekhokhwa ngemali ekhokhwa.
Yini okwenziwa yimali engaphezulu ekhokhwa ngenyanga?
Imali engaphezulu yomhlalaphansi ngayinye inyanga isetshenziswa ngokuqondile ku-balance, ngakho-ke i-loan ikhokhwa kuqala futhi ukhokha inzuzo encane kakhulu. Nakuba inani elincane elingeziwe liqala kuqala ku-loan linezinzuzo ezingaphezu kwezingama-20% ngoba lisusa i-loan engeke ihlanganise iminyaka eminingana.
Yini efakazelwa ku-escrow payment?
I-Escrow iyingxenye yemali yakho ekhokhwa ngenyanga engaba yimali eyinhloko noma inkokhelo - ivame ukuba yi-1/12 yemali yonyaka yempahla kanye ne-inshurensi yekhaya, kanye nanoma yiziphi i-PMI ne-HOA enyanga zonke noma ezinye izindleko. Umhlinzeki wakho wezimali ugcina le mali futhi ukhokha ama-bills ngawe.
Ngizokhetha yini i-hypothek yeminyaka engu-15 noma engu-30?
Isikhathi seminyaka engu-15 sinomholo ophezulu onyaka kodwa sinomkhawulo ophansi kanye nenzuzo encane, njengoba uthatha imali ngengxenye encane. Isikhathi seminyaka engu-30 sigcina umholo onyaka ophansi futhi silula. Faka isikhathi ngasinye ukuqhathanisa izindleko zonyaka nenzuzo yokuphila ngayinye.
Yini i-PMI nokuthi ngizokhokha nini?
Isiqinisekiso se-private mortgage sivikela umqashi uma inkokhelo yakho ingaphansi kuka-20% yentengo. Sifakwa ku-invoyisi yenyanga futhi sivame ukususwa uma ukwakha u-20% wemali. Faka i-PMI yonyaka ngaphansi kwezinketho eziphezulu ukuze uyihlanganise.
Ingabe inani lenzuzo lishintsha kanjani ukukhokha kwami?
Izinga linezinzuzo ezinkulu eziqhubekayo. Ku-280,000 imali engenayo engaphezu kweminyaka engu-30, ingxenye ngayinye yokunyuka kwesilinganiso ifaka ama-150-180 ku-inkokhelo yenyanga kanye nenzuzo, kanye nama-100,000 enzuzo ephelele. Kufanele uthenge eduze.
API — sebenzisa le calculator kusuka kukhodi
Nquma le kalkuli njengendawo ephelezelwa i-JSON - akukho isitshixo esidingekayo. Thumela amaxabiso endawo ngezansi njengepharamitha yombuzo noma i-JSON. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.