置业供款能力自我评估(二) [2004-09-30]

三、按揭供款计算

        在正常情况下,一般的按揭供款年期(Mortgage Amortization Period)最长为25年。年期越长,每次的按揭供款负担会轻些,而总的利息要多付些;相反年期越短,每次的按揭供款额越大,因而按揭就越快供完,付出的利息也较少。

        计算按揭供款的公式:利率 x 本金 / 1000 = 供款。假设贷款$100,00025年摊还期,以5年期固定利率6.00%计,每月连本带利的供款额是:

                        6.39807 x 100,000 / 1000 = $639.80

        如果摊还期选择10年,每月连本带利的供款额是:

                        11.06510 x $100,000 / 1000 = $1106.51

 

 每月连本带利按揭供款参考(每$1,000

 

 

  (%)

5

10

15

20

25

3.00

17.96044

9.64750

6.89688

5.53668

4.73246

3.25

18.07028

9.76177

7.01610

5.66091

4.86166

3.50

18.18044

9.87676

7.13643

5.78663

4.99270

3.75

18.29090

9.99246

7.25786

5.91382

5.12556

4.00

18.40167

10.10887

7.38039

6.04247

5.26020

4.25

18.51273

10.22598

7.50400

6.17255

5.39660

4.50

18.62410

10.34379

7.62868

6.30405

5.53473

4.75

18.73577

10.46230

7.75443

6.43696

5.67456

5.00

18.84774

10.58149

7.88124

6.57125

5.81605  

5.25

18.96000

10.70138

8.00909

6.70691

5.95918

5.50

19.07257

10.82194

8.13798

6.84391

6.10392

5.75

19.18542

10.94318

8.26790

6.98225

6.25022

6.00

19.29857

11.06510

8.39883

7.12188

6.39807

6.25

19.41201

11.18768

8.53076

7.26281

6.54742

6.50

19.52575

11.31093

8.66369

7.40500

6.69824

6.75

19.63977

11.43484

8.79761

7.54844

6.85050

7.00

19.75407

11.55940

8.93249

7.69311

7.00416

7.25

19.86867

11.68461

9.06834

7.83897

7.15919

7.50

19.98355

11.81047

9.20514

7.98602

7.31555

7.75

20.09871

11.93696

9.34287

8.13423

7.47321

8.00

20.21416

12.06409

9.48153

8.28357

7.63213

8.25

20.32988

12.19185

9.62110

8.43404

7.79229

8.50

20.44589

12.32023

9.76158

8.58590

7.95364

8.75

20.56217

12.44924

9.90294

8.73822

8.11614

9.00

20.67873

12.57886

10.04519

8.89190

8.27978

9.25

20.79557

12.70909

10.18830

9.04660

8.44450

9.50

20.91267

12.83992

10.33227

9.20231

8.61028

9.75

21.03005

12.97135

10.47707

9.35900

8.77708

10.00

21.14770

13.10337

10.62270

9.51665

8.94488