Mortgage Calculator

Strumento Mortgage Calculator gratuito, veloce e preciso.

Calcolatore Mutuo — Simula la Rata Mensile del Mutuo Casa

Calcola la Rata del Tuo Mutuo Prima Casa

Simula l'importo della rata mensile in base al valore dell'immobile, all'anticipo disponibile (minimo 20% consigliato), alla durata (20, 25 o 30 anni) e al tasso di interesse.

Mutuo a Tasso Fisso vs Tasso Variabile (Euribor)

  • Tasso Fisso: Rata costante per tutta la durata del mutuo, ideale per pianificare il bilancio familiare con certezza.
  • Tasso Variabile: Rata legata alle oscillazioni dell'Euribor, con possibili riduzioni o aumenti nel tempo.

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.

Disclaimer

Questo calcolatore online è fornito a puro scopo informativo e di stima. Per decisioni finanziarie, mediche o legali importanti, si raccomanda di consultare professionisti qualificati.