Kikokotoo cha ulipaji wa mkopo wa nyumba (Australia)
Hesabu malipo ya mkopo wa nyumba ya kila wiki, kila baada ya wiki mbili au ya kila mwezi kwa akaunti ya offset.
Hufanya kazi kwenye kivinjari chako. Faili zako hazitoki kamwe kwenye kifaa. Tazama jinsi ya kuthibitisha
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Jinsi ya kufanya
- 1Jaza visanduku
Andika namba zako au chagua chaguo unazohitaji.
- 2Angalia matokeo
Jibu husasishwa mara moja unapobadilisha thamani.
- 3Litumie
Nakili matokeo au yaandike. Hakuna kinachotumwa popote.
About this tool
Enter the loan amount, the interest rate, the term and how often you pay. The calculator gives the repayment and total interest, and shows how much interest an offset account balance saves and how much sooner the loan ends. Rates and rules change each year, so use the result as a guide and check the official source.
How it works
The repayment uses the loan, rate and term for each payment period. An offset account balance reduces the amount interest is charged on.
Example
A $600,000 loan at 6.2 percent over 30 years costs about $3,675 a month. A $50,000 offset saves interest and shortens the loan.
Tips
Paying fortnightly makes an extra monthly payment each year. Rates and rules change, so use the result as a guide and check the official source.
Privacy
Everything runs in your browser, so your data is not uploaded or stored.
Mfano uliotatuliwa
With the boxes at their starting values (Loan amount: 600000; Interest rate per year (%): 6.2; Loan term (years): 30; Repayment frequency: Monthly; Offset account balance: 0), the tool shows: Total interest, no offset: 722,933; Total interest with offset: 722,933; Interest saved: 0; Payments to clear with offset: 360 (30.0 yrs); Repayment each period: 3,674.81. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.
Vidokezo vya matokeo bora
Angalia kila kisanduku kabla ya kuamini matokeo, kwa sababu nambari moja isiyo sahihi hubadilisha jibu zima. Tumia nambari kamili kutoka kwenye hati ya mshahara, ankara, cheti au mkataba na uandike tarehe uliyohesabu. Viwango, vizingiti na sheria hubadilika mara kwa mara, kwa hivyo kwa kodi, ada na masuala ya kisheria chukulia matokeo kuwa makadirio na uyathibitishe na chanzo rasmi kilichotajwa kwenye ukurasa huu. Unaweza kujaribu hali nyingi unavyotaka; hakuna kinachohifadhiwa wala kutumwa na kupakia upya ukurasa husafisha visanduku.
Kwa ufupi
- Kategoria: Zana za kila siku
- Hufanya kazi kwenye kivinjari, bila usajili, bila kupakia.
- Taarifa unazoingiza hubaki kwenye kifaa chako.
- Inapatikana kwa Kiingereza.
- Maudhui yalikaguliwa mwisho:
- Chanzo rasmi: ATO
Maswali yanayoulizwa mara kwa mara
What is an offset account?
A savings account linked to your loan. Its balance is subtracted from the loan when interest is worked out.
Do fortnightly payments help?
Paying half the monthly amount fortnightly makes one extra monthly payment a year, which shortens the loan.
What is an offset account?
A savings account linked to the loan that reduces interest.
Is it better than a redraw?
Both reduce interest. Offset keeps money separate and flexible.