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Calculadora de Hipotecas — Simula tu Cuota Mensual de Préstamo Hipotecario

Simula tu Hipoteca a Tipo Fijo o Variable

Introduce el precio de compra de la vivienda, la entrada aportada (generalmente el 20% recomendado), el plazo de amortización (20, 25 o 30 años) y el tipo de interés para conocer al instante la cuota mensual y el coste total de tu hipoteca.

Hipoteca Fija vs. Hipoteca Variable (Euríbor)

  • Tipo Fijo: Cuota inalterable durante toda la vida del préstamo, garantizando tranquilidad absoluta ante subidas de tipos.
  • Tipo Variable (Euríbor + diferencial): Cuotas ajustadas en cada revisión anual según la cotización del Euríbor.

Regla Financiera del 30% para la Cuota Hipotecaria

Los expertos financieros recomiendan que la cuota hipotecaria mensual no supere el 30% - 35% de los ingresos netos familiares para evitar el sobreendeudamiento.

Frequently Asked Questions

To calculate a mortgage, subtract your down payment from the home purchase price to find the loan principal. Then, apply the standard amortization formula using your annual interest rate, loan term (e.g. 15 or 30 years), and compounding frequency to calculate your monthly principal and interest payment.

The 6 primary types of mortgages are: (1) Conventional Fixed-Rate Mortgages, (2) Adjustable-Rate Mortgages (ARM), (3) FHA Loans, (4) VA Loans, (5) USDA Loans, and (6) Jumbo Loans.

Mortgage interest is calculated monthly based on your remaining loan balance. Multiply your remaining principal balance by your annual interest rate divided by 12 (Monthly Interest = Remaining Principal × [Annual Interest Rate / 12]). Early in the loan, a larger portion of your monthly payment goes toward interest.

For a ₹20 Lakh (₹2,000,000) mortgage loan at an average interest rate of 8.5% per annum for a 20-year tenure (240 months), the estimated monthly EMI is approximately ₹17,356 per month. Total interest payable over 20 years is ₹21.65 Lakhs.

The standard monthly mortgage payment formula is: M = P [ r(1 + r)^n ] / [ (1 + r)^n - 1 ], where M is monthly payment, P is principal loan amount, r is monthly interest rate (annual rate / 12), and n is total number of monthly payments (years × 12).

To calculate a mortgage loan: (1) Determine the home purchase price and subtract your down payment. (2) Identify the annual interest rate offered by the lender. (3) Choose your loan term (e.g., 15, 20, or 30 years). (4) Enter these numbers into the CalculatorsDaily Mortgage Calculator for instant monthly payment and total interest figures.

Aviso Legal

Esta calculadora se ofrece con fines exclusivamente informativos y educativos. Para decisiones financieras, médicas o legales específicas, consulte siempre con profesionales cualificados.