如何计算Mortgage
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A mortgage calculator computes monthly repayments for a home loan based on the loan amount, interest rate, and term. In a repayment mortgage, each payment covers interest plus a portion of the capital, so the balance decreases over time and reaches zero at the end of the term.
公式
- M
- Total repaid − P — Total repaid − P
- P
- loan amount — loan amount
分步指南
- 1Monthly payment M = P × r(1+r)^n / ((1+r)^n − 1)
- 2P = loan amount, r = monthly rate (annual rate / 12), n = months (years × 12)
- 3Total repaid = M × n | Total interest = Total repaid − P
例题解析
常见问题
What is Mortgage?
A mortgage calculator computes monthly repayments for a home loan based on the loan amount, interest rate, and term. In a repayment mortgage, each payment covers interest plus a portion of the capital, so the balance decreases over time and reaches zero at the end of the term
How accurate is the Mortgage calculator?
The calculator uses the standard published formula for mortgage. Results are accurate to the precision of the inputs you provide. For financial, medical, or legal decisions, always verify with a qualified professional.
What units does the Mortgage calculator use?
This calculator works with inches. You can enter values in the units shown — the calculator handles all conversions internally.
What formula does the Mortgage calculator use?
The core formula is: Monthly payment M = P × r(1+r)^n / ((1+r)^n − 1). Each step in the calculation is shown so you can verify the result manually.
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