Kalkulator gadai janji Kanada
Kira bayaran gadai janji Kanada dengan pemajmukan separuh tahunan.
Berjalan dalam pelayar anda. Fail anda tidak pernah meninggalkan peranti. Lihat cara menyemaknya
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Cara melakukannya
- 1Isi ruang
Taip nombor anda atau pilih pilihan yang diperlukan.
- 2Lihat hasil
Jawapan dikemas kini serta-merta apabila anda menukar nilai.
- 3Gunakan
Salin hasil atau catatkannya. Tiada apa dihantar ke mana-mana.
About this tool
Enter the home price, down payment percent, rate, amortization and payment frequency. Canadian fixed-rate mortgages compound semi-annually, which the tool applies, so the payment matches what Canadian lenders quote.
Semi-annual compounding
By law, Canadian fixed-rate mortgage rates are compounded twice a year, which gives a slightly lower effective rate than monthly compounding at the same quoted rate. The tool converts the quoted rate to the rate for each payment period.
Example
A $520,000 loan at 4.8 percent over 25 years costs about $2,970 a month and around $371,000 of interest.
Notes
A down payment under 20 percent needs mortgage default insurance. The minimum is 5 percent on the first $500,000. Accelerated bi-weekly payments equal half a monthly payment every two weeks and shorten the loan.
Contoh berselesaian
With the boxes at their starting values (Home price (CAD): 650000; Down payment (%): 20; Quoted interest rate (%): 4.8; Amortization (years): 25; Payment frequency: Monthly), the tool shows: Mortgage amount (CAD): 520,000; Total interest (CAD): 369,625; Total paid (CAD): 889,625; Payment (CAD): 2,965.42. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.
Petua untuk hasil terbaik
Semak setiap ruang sebelum mempercayai hasil, kerana satu angka yang salah mengubah keseluruhan jawapan. Gunakan nombor tepat daripada slip gaji, bil, sijil atau kontrak dan catat tarikh anda mengira. Kadar, ambang dan peraturan berubah dari semasa ke semasa, jadi untuk cukai, yuran dan perkara undang-undang, anggap hasil sebagai anggaran dan sahkannya dengan sumber rasmi yang dinyatakan pada halaman ini. Anda boleh mencuba sebanyak mana senario; tiada apa disimpan atau dihantar dan memuat semula halaman mengosongkan ruang.
Ringkasnya
Soalan lazim
What is amortization?
The total years to pay off the loan. Terms of 1 to 5 years are renewed along the way.
Why semi-annual compounding?
It is required for Canadian fixed-rate mortgages and is applied here.
Is mortgage insurance included?
No. Add it if your down payment is under 20 percent.
Do bi-weekly payments save interest?
Yes. Accelerated bi-weekly pays one extra month per year.