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Calculates monthly loan payment from purchase price, interest rate, and loan term. Helps evaluate affordability and financing options.
Fórmula
Loan amount = purchase price - down payment
Guia passo a passo
- 1Loan amount = purchase price - down payment
- 2Monthly rate = annual rate ÷ 12
- 3Formula: payment = P × (r × (1+r)^n) ÷ ((1+r)^n - 1)
- 4Add taxes, insurance, registration
Exemplos resolvidos
Entrada
$25k, 60mo, 5%
Resultado
$472/mo
Erros comuns a evitar
- ✕Only looking at monthly payment, ignoring total interest paid
- ✕Not including insurance and maintenance in affordability analysis
Perguntas frequentes
What down payment percentage is standard?
Typically 10-20%; 20% avoids PMI; more down payment reduces monthly cost.
How does interest rate affect payment?
Each 1% rate increase adds $15-20/month per $10k borrowed; rate critical to total cost.
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