Kalọnaịlụ South Africa
Nwere ike ịtụle ụgwọ ọnwa gị maka ego ụlọ gị - ego na inweta.
Nhọrọ ndị ahụ ga-akpụzi mgbe ị na-etipụta.
N'ihe banyere calculator a
Ụdị ndị ahụ egosipụtara na-eji South Africa difọ́ọ̀ltụ̀: ọnụọgụgụ na ZAR (R) na ọnụọgụgụ n'ụdị 10.5%. Dezie ọnụọgụgụ, oge na ọnụọgụgụ n'elu ka ịmepụta South Africa n'onwe gị nakwa hụ oge mmezi zuru ezu.
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.
Ajụjụ ndị a na-ajụkarị
Olee otú ego?
The isi na ego akụkụ na-eji standard amortization formula: M = P·r·(1+r)^n / ((1+r)^n − 1), ebe P bụ ego nke ego, r na ọnwa ọnụego, na n na ọnụọgụgụ nke ọnwa ụgwọ. Taxes, insurance na HOA bụ agbakwunyere na elu.
Ọ bụrụ na m akwụ ụgwọ n'okpuru, ọ ga-abawanye ụgwọ m?
Ee. Nkwụghachi ụgwọ dị ukwuu na-ewepụ ego a na-akwụ, nke na-ewepụ ego a na-akwụ kwa ọnwa na ego niile ị na-akwụ n’ihe nkwụghachi ahụ.
Gịnị ka ụgwọ ọnwa ọzọ na-eme?
Extra principal ọnwa ọ bụla na-abịaru nso n'ụzọ ziri ezi na-echekwa, ya mere na-akwụ ụgwọ na-akwụ off na-adịbeghị anya na ị na-akwụ ụgwọ na-ahụ anya na-adịghị ukwuu n'ozuzu interest. E nwekwara a obere extra ego na-amalite na-akwụ ụgwọ nwere a oversized mmetụta n'ihi na ọ na-ewepụ interest na-a ga-compound maka afọ ole na ole.
Gịnị ka e mepụtara n'ime ụgwọ escrow?
Escrow bụ akụkụ nke gị ọnwa ụgwọ na-abụghị isi ma ọ bụ uru - na-emekarị 1/12 nke afọ property tax na ụlọ insurance, na-agbakwunyere ọ bụla PMI na ọnwa HOA ma ọ bụ ndị ọzọ fees. Your loaner na-echekwa ya na-akwụ ụgwọ na-abịa na-akwụ ụgwọ na gị na-enweghị.
M ga-ahọrọ afọ 15 ma ọ bụ afọ 30?
A 15-afọ oge nwere a elu ọnwa ụgwọ mala ọnụego na n'ebe dị anya na-adịghị zuru ezu interest, ebe ị na-akwụ ụgwọ ego maka n'akụkụ dị ka ogologo. A 30-afọ oge na-echekwa ọnwa ụgwọ ala na flexibility. Inweta oge ọ bụla iji tụnyere ọnwa ụgwọ na ndụ oge interest side by side.
Gịnị bụ PMI na mgbe ka m ga-akwụ ya?
Private mortgage insurance na-echebe onye na-enye ego mgbe gị down payment bụ n'okpuru 20% nke price. Ọ bụ agbakwunyere na ọnwa ụgwọ na nwere ike na-emekarị na-ahapụ mgbe ị na-arụpụta ihe banyere 20% equity. Tinye a afọ PMI figure n'okpuru advanced nhọrọ iji tinye ya.
Olee otú ọnụọgụgụ ego na-agbanwe agbanwe m?
The rate nwere a nnukwu mmetụta n'oge ogologo. On a 280,000 ego n'elu 30 afọ, otu-point elu na-enye aka na-agbakwunye 150-180 na ọnwa isi na ego, na nde mmadụ iri na abụọ na-enye aka na-eme ka ego. Ọ dị mkpa ịzụta gburugburu.
API — jiri kaadị a site na kóòdù
Kpọọ kalkulata a dịka ebe ngwụcha JSON n'efu - enweghị kii achọrọ. Ziga valiu ebe ahụ n'okpuru dịka paramita ajụjụ mọọbụ JSON. Ihe ọbụla ị na-ewepụ na-eji dìfọ́ọ̀ltụ̀ nke a na-edebe ihuakwụkwọ a na ya; parameter a na-amaghị bụ 400, ọ dịghị sẽọ̀rọ̀. Gụọ ngwe ndị ahụ niile →
Ebemkpofuozi
GET https://calculator.free/api/v1/mortgage/?country=zacurl
curl "https://calculator.free/api/v1/mortgage/?price=350000&down=70000&rate=10.5&years=30"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/mortgage/?" + new URLSearchParams({
"price": "350000",
"down": "70000",
"rate": "10.5",
"years": "30"
}));
const data = await r.json();
console.log(data.results);Ihe a na-ahụta bụ n'ihi nlekọta n'ozuzu ya, ọ bụghị nlekọta ego, ọgwụ ma ọ bụ nlekọta ego.