Paano Kalkulahin si Loan Mortgage
Ano ang Loan Mortgage?
A loan/mortgage calculator computes monthly payments, total interest, and an amortization schedule for any installment loan. The formula distributes equal payments that cover both interest and principal, with interest-heavy payments early and principal-heavy payments later.
Step-by-Step na Gabay
- 1Monthly payment = P × r(1+r)^n / ((1+r)^n − 1)
- 2Early payments are mostly interest; late payments are mostly principal
- 3Amortization schedule shows the exact breakdown each month
- 4Total interest = (Monthly payment × n) − Principal
Mga Nalutas na Halimbawa
Input
$300,000 mortgage, 7%, 30 years
Resulta
$1,996/month, $418,527 total interest
Pay 2.4× the loan amount total
Input
Same but 15-year term
Resulta
$2,696/month, $185,266 interest
Save $233k in interest at $700/mo more