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本帖最后由 whocares2014 于 2024-1-23 23:44 编辑
好复杂的公式，没看懂为什么这么算的理由。
How Do I Calculate a Monthly Mortgage Payment?
As promised, we’ll now show you how to calculate a monthly mortgage payment manually—in case you want to know the magic behind our mortgage calculator.
This is useful to know when it comes to amortization since your monthly payment is what actually pays down your mortgage.
To calculate a monthly mortgage payment, here’s a scary-looking formula your lender might use:
M = P x ir (1 + ir)^n / (1 + ir)^n - 1
M = monthly payment
P = principal loan amount
ir = interest rate per month
n = number of months
^ = This is the exponent symbol. You’ll need a special calculator for exponents, which you can find online.
If we use the formula on our example from earlier, your mortgage details would look like this:
M = (Hint: We’ll find out soon!)
P = $240,000
ir = 0.0029167 (3.5% per year / 12 months)
n = 180 (15 years x 12 months)
Let’s start with the first part of the formula, P x ir (1+ir)^n. Here’s how that breaks down:
240,000 x 0.0029167 (1+0.0029167)^180
700 (1.0029167)^180
700 (1.6891777009157) = 1,182.42
Okay, now let’s figure out the second part of the formula, (1+ir)^n-1:
(1+0.0029167)^180 - 1
(1.0029167)^180 -1
1.6891777009157 - 1 = 0.6891777009157
And now let’s divide the two parts to get our answer:
1,182.42 / 0.6891777009157 = 1,715.70
If we round up, that $1,716 is your fixed monthly mortgage payment—this is what you’ll pay every month in order to pay off or amortize your mortgage. |
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学中文（总结） (2014-11-6) fhjp01 
楼主:lmel
发表于 2023-2-2 16:01
