I-Calculator ye-Mortgage i-Afrika yasenyakatho
Uhlu lwezinkokhelo zendlu yakho zonyaka - izimali eziyinhloko, izimali ezikhokhelwa ngemali, izimali zomphakathi kanye ne-inshuwalense.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
Ama-figures abonisa ukusebenzisa i-i-Afrika yasenyakatho defaults: ama-amounts e-ZAR (R) kanye nesampula ye-interest rate ye-10.5%. Hlela inani, isikhathi kanye nenani elingezansi ukuze umodele i-i-Afrika yasenyakatho mortgage yakho futhi ubone isikhashana esigcwele sokubuyiselwa imali.
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 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 eminingi.
Yini efakazelwa ku-escrow payment?
I-Escrow iyingxenye yemali yakho ekhokhwa ngenyanga engaba yimali eyinhloko noma inkokhelo - ivame ukuba yi-1/12 yemali yempahla yeminyaka yonke ne-inshuwalense yekhaya, kanye nanoma yiziphi i-PMI ne-HOA enyanga zonke noma ezinye izindleko. Umhlinzeki wakho 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 calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.