Financie

Kalkulačka PMI

PMI (Private Mortgage Insurance)

Výška úveru

PMI Rate (%)

What is P M I Calculator?

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Calculates private mortgage insurance costs for down payments <20%, showing when to refinance.

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Vzorec

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f(x)Monthly PMI = loan amount × annual % ÷ 12

Variable Legend

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Symbol	Meno	Jednotka	Popis
PMI	loan amount × annual % ÷ 12	—	loan amount × annual % ÷ 12

How to P M I Calculator

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1PMI cost typically 0.5-1.5% of loan annually
2Monthly PMI = loan amount × annual % ÷ 12
3Refinance to remove when equity ≥ 20% (or 22% for automatic removal)
4Costs thousands over loan life

Worked Examples

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Example 1

Given:Loan $160k, price $200k

Výsledok:PMI required

Frequently Asked Questions

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How much does PMI cost?

Roughly $100-200/month per $100k borrowed; varies by credit score and down payment.

When is PMI removed?

Automatic at 22% LTV; can refinance or pay down at 20% LTV.

Common Mistakes to Avoid

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!Forgetting PMI in affordability calculation
!Not refinancing to remove PMI
!Choosing high down payment % for wrong reasons

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Did you know?

PMI costs $40,000-60,000 over 30 years on $200k mortgage with 10% down.

References

›PMI Calculator

📖Difficulty:Beginner

Len na informačné účely. Tento nástroj nepredstavuje finančné poradenstvo. Pred investičnými alebo finančnými rozhodnutiami sa poraďte s kvalifikovaným finančným poradcom.

Accuracy-checked

Reviewed October 2026

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