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$100,000,25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
|
年 期 |
||||
利 率 (%) |
5年 |
10年 |
15年 |
20年 |
25年 |
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 |