Àwọn Ìṣàmúlò-ètò South Africa

Ṣayẹwo iye owo ti o gba fun ile-ifowopamọ rẹ ni oṣu kan - principal, interest, awọn owo-ori ati inawo.

Àwọn Àwọn Ààyè:

Àwọn United Kingdom Canada Australia Ìdí Irelandì New Zealand South Africa

Àwọn Ìjánu-ìṣàmúlò-ètò

Ìdírẹ̀sì ?

Àwọn ìṣàmúlò-ètò tí a fi pamọ́. Àwọn mìíràn ní a fi pamọ́.

Àwọn Ìjánu-ìsún ?

Àwọn ìṣàmúlò-ètò

Àwọn àwọn ààyè-iṣẹ́

Ìṣàmúlò-ètò

Àwọn àwọn ààyè-iṣẹ́ ?

Irin-ajo ipolowo ti ara ẹni, ni igbagbogbo ni a nilo ni isalẹ 20%.

Àwọn àwọn ìṣẹ̀dá HOA/oṣù

Àwọn owó inú

Ìdírẹ̀sì ?

Ìdáràn tí a fídi

Ìdírẹ̀sì

Ìfíràn-ìgbá kan

Ìfihàn Òjó —

Àwọn àwọn ààyè-iṣẹ́ —

Àwọn owó ifowopamọ́, àwọn inú-ìpamọ́, àwọn owó ifowopamọ́ —

Àwọn Ìgúnrégé —

Àwọn ìṣàmúlò-ètò —

Àkóónú —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

Àwọn ìṣàmúlò-ètò tí a fi hàn ló nínú àwọn ìṣàmúlò-ètò South Africa: àwọn ìṣàmúlò-ètò nínú ZAR (R) àti àwọn ìṣàmúlò-ètò ìṣàmúlò-ètò tí a fi pamọ́ fún 10.5%. Edit the amount, term and rate above to model your own South Africa mortgage and view the full amortization schedule.

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.

Àwọn Àtòjọ-ẹ̀yàn

Bawo ni a ṣe le ṣe iṣiro owo-ori ipolowo?

Àwọn àwọn ohun-ini ati àwọn ẹ̀yàn-ìdárá ló fómúlà ìdárárá tí a tí wa: M = P·r·(1+r)^n / ((1+r)^n − 1), níbí ti P jẹ́ iye-ìpà, r ní ìtàn oṣù, atí n ní nọmba tí a fi pamọ́ ni oṣù. Àwọn owó, àwọn ilé-ìdárá atí HOA ní a fi kun ní oke.

Does a bigger down payment lower my payment?

Yes. A larger down payment reduces the amount financed, which lowers both the monthly principal-and-interest and the total interest you pay over the loan.

Kini o n ṣe pẹlu ifowopamọ oṣu kan?

Extra principal each month is applied straight to the balance, so the loan is paid off earlier and you pay noticeably less total interest. Even a small extra amount early in the loan has an outsized effect because it removes interest that would have compounded for decades.

Kini ti a fi kun nínú ifowopamọ́?

Escrow ni apakan ti o ti o oṣu isanwo ti o ti ko ni principal tabi iwulo - ti o wọpọ 1/12 ti o ọdun-ọna-ifowopamọ ati ile-ifowopamọ, pẹlu eyikeyi PMI ati oṣu-ọna-ifowopamọ HOA tabi awọn idiyele miiran. Your lender holds it and pays those bills on your behalf.

Njẹ Mo yẹ ki n yan ipolowo ọdun 15 tabi ọdun 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.

Kini PMI ati nigba wo ni mo ni lati sanwo fun un?

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.

Ìgbà wo nínú àwọn ìṣàmúlò-ètò àwọn ìṣàmúlò-ètò mìíràn tí a fi pamọ́?

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 approximately 150–180 to the monthly principal and interest, and dozens of thousands to the total interest. It is worth shopping around.

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

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

curl

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);

Results are estimates for general guidance only, not financial, medical or tax advice.

Àkóónú ìṣàmúlò-ètò yìí

Àwọn Àtòjọ-ẹ̀yàn

Àwọn Ìṣàmúlò-ètò Ìṣàmúlò-ètò

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

curl

JavaScript fetch()

JavaScript `fetch()`