抵押分期償還計算器
抵押貸款分期償還計算器提供抵押貸款的年度或月度分期償還計劃。它還計算每月還款額，并確定支付利息的部分。了解這些信息可以讓借款人更好地了解每筆還款對貸款的影響。它還顯示了在給定時間內整體債務下降的速度。
月薪:2669.27美元
| | 每月 | 總數 |
| 按揭付款 | $2,669.27 | $960,938.64 |
| 財產稅 | $500.00 | $180,000.00 |
| 家庭保險 | $208.33 | $75,000.00 |
| 其他費用 | $416.67 | $150,000.00 |
| 自付費用總額 | $3,794.27 | $1,365,938.64 |
|
| 房價 | $500,000.00 |
| 貸款金額 | $400,000.00 |
| 預付定金 | $100,000.00 |
| 共計360筆抵押貸款 | $960,938.64 |
| 總利息 | $560,938.64 |
| 抵押償還日期 | 2054年3月 |
攤銷表
| 月 | 日期 | 興趣 | 校長 | 期末余額 |
|---|
| 一 | 03/2024 | $2,343 | $326 | $399,674 |
| 2 | 4/2024 | $2,341 | $328 | $399,346 |
| 3 | 5/2024 | $2,340 | $330 | $399,016 |
| 四 | 6/2024 | $2,338 | $332 | $398,685 |
| 5 | 7/2024 | $2,336 | $334 | $398,351 |
| 6 | 8/2024 | $2,334 | $336 | $398,015 |
| 七 | 9/2024 | $2,332 | $338 | $397,678 |
| 8 | 10/2024 | $2,330 | $340 | $397,338 |
| 9 | 11/2024 | $2,328 | $342 | $396,997 |
| 10 | 12/2024 | $2,326 | $344 | $396,653 |
| 11 | 1/2025 | $2,324 | $346 | $396,308 |
| 12 | 2/2025 | $2,322 | $348 | $395,960 |
| 第一年末 |
| 13 | 3/2025 | $2,320 | $350 | $395,611 |
| 14 | 4/2025 | $2,318 | $352 | $395,259 |
| 15 | 5/2025 | $2,316 | $354 | $394,905 |
| 16 | 6/2025 | $2,313 | $356 | $394,549 |
| 17 | 7/2025 | $2,311 | $358 | $394,192 |
| 18 | 8/2025 | $2,309 | $360 | $393,832 |
| 19 | 9/2025 | $2,307 | $362 | $393,470 |
| 20 | 10/2025 | $2,305 | $364 | $393,105 |
| 21 | 11/2025 | $2,303 | $366 | $392,739 |
| 22 | 12/2025 | $2,301 | $368 | $392,371 |
| 23 | 1/2026 | $2,299 | $371 | $392,000 |
| 24 | 2/2026 | $2,296 | $373 | $391,627 |
| 第二年末 |
| 25 | 3/2026 | $2,294 | $375 | $391,252 |
| 26 | 4/2026 | $2,292 | $377 | $390,875 |
| 27 | 5/2026 | $2,290 | $379 | $390,495 |
| 28 | 6/2026 | $2,288 | $382 | $390,114 |
| 29 | 7/2026 | $2,285 | $384 | $389,730 |
| 30 | 8/2026 | $2,283 | $386 | $389,344 |
| 31 | 9/2026 | $2,281 | $388 | $388,956 |
| 32 | 10/2026 | $2,279 | $391 | $388,565 |
| 33 | 11/2026 | $2,276 | $393 | $388,172 |
| 34 | 12/2026 | $2,274 | $395 | $387,777 |
| 35 | 1/2027 | $2,272 | $398 | $387,379 |
| 36 | 2/2027 | $2,269 | $400 | $386,979 |
| 第三年末 |
| 37 | 3/2027 | $2,267 | $402 | $386,577 |
| 38 | 4/2027 | $2,265 | $405 | $386,172 |
| 39 | 5/2027 | $2,262 | $407 | $385,766 |
| 40 | 6/2027 | $2,260 | $409 | $385,356 |
| 41 | 7/2027 | $2,258 | $412 | $384,944 |
| 42 | 8/2027 | $2,255 | $414 | $384,530 |
| 43 | 9/2027 | $2,253 | $417 | $384,114 |
| 44 | 10/2027 | $2,250 | $419 | $383,695 |
| 45 | 11/2027 | $2,248 | $421 | $383,273 |
| 46 | 12/2027 | $2,245 | $424 | $382,849 |
| 47 | 1/2028 | $2,243 | $426 | $382,423 |
| 48 | 2/2028 | $2,240 | $429 | $381,994 |
| 第四年末 |
| 49 | 3/2028 | $2,238 | $431 | $381,563 |
| 50 | 4/2028 | $2,235 | $434 | $381,129 |
| 51 | 5/2028 | $2,233 | $436 | $380,692 |
| 52 | 6/2028 | $2,230 | $439 | $380,253 |
| 53 | 7/2028 | $2,228 | $442 | $379,811 |
| 54 | 8/2028 | $2,225 | $444 | $379,367 |
| 55 | 9/2028 | $2,222 | $447 | $378,920 |
| 56 | 10/2028 | $2,220 | $449 | $378,471 |
| 57 | 11/2028 | $2,217 | $452 | $378,019 |
| 58 | 12/2028 | $2,215 | $455 | $377,564 |
| 59 | 1/2029 | $2,212 | $457 | $377,107 |
| 60 | 2/2029 | $2,209 | $460 | $376,647 |
| 第五年末 |
| 61 | 3/2029 | $2,207 | $463 | $376,184 |
| 62 | 4/2029 | $2,204 | $465 | $375,719 |
| 63 | 5/2029 | $2,201 | $468 | $375,250 |
| 64 | 6/2029 | $2,198 | $471 | $374,779 |
| 65 | 7/2029 | $2,196 | $474 | $374,306 |
| 66 | 8/2029 | $2,193 | $476 | $373,829 |
| 67 | 9/2029 | $2,190 | $479 | $373,350 |
| 68 | 10/2029 | $2,187 | $482 | $372,868 |
| 69 | 11/2029 | $2,184 | $485 | $372,383 |
| 70 | 12/2029 | $2,182 | $488 | $371,895 |
| 71 | 1/2030 | $2,179 | $491 | $371,405 |
| 72 | 2/2030 | $2,176 | $493 | $370,911 |
| 第六年末 |
| 73 | 3/2030 | $2,173 | $496 | $370,415 |
| 74 | 4/2030 | $2,170 | $499 | $369,916 |
| 75 | 5/2030 | $2,167 | $502 | $369,414 |
| 76 | 6/2030 | $2,164 | $505 | $368,908 |
| 77 | 7/2030 | $2,161 | $508 | $368,400 |
| 78 | 8/2030 | $2,158 | $511 | $367,889 |
| 79 | 9/2030 | $2,155 | $514 | $367,375 |
| 80 | 10/2030 | $2,152 | $517 | $366,858 |
| 81 | 11/2030 | $2,149 | $520 | $366,338 |
| 82 | 12/2030 | $2,146 | $523 | $365,815 |
| 83 | 1/2031 | $2,143 | $526 | $365,289 |
| 84 | 2/2031 | $2,140 | $529 | $364,759 |
| 第7年末 |
| 85 | 3/2031 | $2,137 | $532 | $364,227 |
| 86 | 4/2031 | $2,134 | $536 | $363,692 |
| 87 | 5/2031 | $2,131 | $539 | $363,153 |
| 88 | 6/2031 | $2,127 | $542 | $362,611 |
| 89 | 7/2031 | $2,124 | $545 | $362,066 |
| 90 | 8/2031 | $2,121 | $548 | $361,518 |
| 91 | 9/2031 | $2,118 | $551 | $360,967 |
| 92 | 10/2031 | $2,115 | $555 | $360,412 |
| 93 | 11/2031 | $2,111 | $558 | $359,854 |
| 94 | 12/2031 | $2,108 | $561 | $359,293 |
| 95 | 1/2032 | $2,105 | $564 | $358,729 |
| 96 | 2/2032 | $2,102 | $568 | $358,161 |
| 第八年末 |
| 97 | 3/2032 | $2,098 | $571 | $357,590 |
| 98 | 4/2032 | $2,095 | $574 | $357,015 |
| 99 | 5/2032 | $2,092 | $578 | $356,438 |
| 100 | 6/2032 | $2,088 | $581 | $355,856 |
| 101 | 7/2032 | $2,085 | $585 | $355,272 |
| 102 | 8/2032 | $2,081 | $588 | $354,684 |
| 103 | 9/2032 | $2,078 | $591 | $354,093 |
| 104 | 10/2032 | $2,074 | $595 | $353,498 |
| 105 | 11/2032 | $2,071 | $598 | $352,899 |
| 106 | 12/2032 | $2,067 | $602 | $352,297 |
| 107 | 1/2033 | $2,064 | $605 | $351,692 |
| 108 | 2/2033 | $2,060 | $609 | $351,083 |
| 第九年末 |
| 109 | 3/2033 | $2,057 | $613 | $350,471 |
| 110 | 4/2033 | $2,053 | $616 | $349,854 |
| 111 | 5/2033 | $2,050 | $620 | $349,235 |
| 112 | 6/2033 | $2,046 | $623 | $348,611 |
| 113 | 7/2033 | $2,042 | $627 | $347,984 |
| 114 | 8/2033 | $2,039 | $631 | $347,354 |
| 115 | 9/2033 | $2,035 | $634 | $346,719 |
| 116 | 10/2033 | $2,031 | $638 | $346,081 |
| 117 | 11/2033 | $2,027 | $642 | $345,439 |
| 118 | 12/2033 | $2,024 | $646 | $344,794 |
| 119 | 1/2034 | $2,020 | $649 | $344,145 |
| 120 | 2/2034 | $2,016 | $653 | $343,491 |
| 第10年末 |
| 121 | 3/2034 | $2,012 | $657 | $342,834 |
| 122 | 4/2034 | $2,008 | $661 | $342,174 |
| 123 | 5/2034 | $2,005 | $665 | $341,509 |
| 124 | 6/2034 | $2,001 | $669 | $340,840 |
| 125 | 7/2034 | $1,997 | $673 | $340,168 |
| 126 | 8/2034 | $1,993 | $676 | $339,491 |
| 127 | 9/2034 | $1,989 | $680 | $338,811 |
| 128 | 10/2034 | $1,985 | $684 | $338,126 |
| 129 | 11/2034 | $1,981 | $688 | $337,438 |
| 130 | 12/2034 | $1,977 | $692 | $336,746 |
| 131 | 1/2035 | $1,973 | $697 | $336,049 |
| 132 | 2/2035 | $1,969 | $701 | $335,348 |
| 第11年末 |
| 133 | 3/2035 | $1,965 | $705 | $334,644 |
| 134 | 4/2035 | $1,960 | $709 | $333,935 |
| 135 | 5/2035 | $1,956 | $713 | $333,222 |
| 136 | 6/2035 | $1,952 | $717 | $332,505 |
| 137 | 7/2035 | $1,948 | $721 | $331,784 |
| 138 | 8/2035 | $1,944 | $726 | $331,058 |
| 139 | 9/2035 | $1,939 | $730 | $330,328 |
| 140 | 10/2035 | $1,935 | $734 | $329,594 |
| 141 | 11/2035 | $1,931 | $738 | $328,856 |
| 142 | 12/2035 | $1,927 | $743 | $328,113 |
| 143 | 1/2036 | $1,922 | $747 | $327,366 |
| 144 | 2/2036 | $1,918 | $751 | $326,614 |
| 12年末 |
| 145 | 3/2036 | $1,913 | $756 | $325,858 |
| 146 | 4/2036 | $1,909 | $760 | $325,098 |
| 147 | 5/2036 | $1,905 | $765 | $324,333 |
| 148 | 6/2036 | $1,900 | $769 | $323,564 |
| 149 | 7/2036 | $1,896 | $774 | $322,791 |
| 150 | 8/2036 | $1,891 | $778 | $322,012 |
| 151 | 9/2036 | $1,886 | $783 | $321,229 |
| 152 | 10/2036 | $1,882 | $787 | $320,442 |
| 153 | 11/2036 | $1,877 | $792 | $319,650 |
| 154 | 12/2036 | $1,873 | $797 | $318,853 |
| 155 | 1/2037 | $1,868 | $801 | $318,052 |
| 156 | 2/2037 | $1,863 | $806 | $317,246 |
| 第13年末 |
| 157 | 3/2037 | $1,859 | $811 | $316,435 |
| 158 | 4/2037 | $1,854 | $815 | $315,620 |
| 159 | 5/2037 | $1,849 | $820 | $314,800 |
| 160 | 6/2037 | $1,844 | $825 | $313,974 |
| 161 | 7/2037 | $1,839 | $830 | $313,145 |
| 162 | 8/2037 | $1,835 | $835 | $312,310 |
| 163 | 9/2037 | $1,830 | $840 | $311,470 |
| 164 | 10/2037 | $1,825 | $845 | $310,626 |
| 165 | 11/2037 | $1,820 | $850 | $309,776 |
| 166 | 12/2037 | $1,815 | $855 | $308,921 |
| 167 | 1/2038 | $1,810 | $860 | $308,062 |
| 168 | 2/2038 | $1,805 | $865 | $307,197 |
| 第14年末 |
| 169 | 3/2038 | $1,800 | $870 | $306,328 |
| 170 | 4/2038 | $1,795 | $875 | $305,453 |
| 171 | 5/2038 | $1,789 | $880 | $304,573 |
| 172 | 6/2038 | $1,784 | $885 | $303,688 |
| 173 | 7/2038 | $1,779 | $890 | $302,798 |
| 174 | 8/2038 | $1,774 | $895 | $301,903 |
| 175 | 9/2038 | $1,769 | $901 | $301,002 |
| 176 | 10/2038 | $1,763 | $906 | $300,096 |
| 177 | 11/2038 | $1,758 | $911 | $299,185 |
| 178 | 12/2038 | $1,753 | $917 | $298,268 |
| 179 | 1/2039 | $1,747 | $922 | $297,347 |
| 180 | 2/2039 | $1,742 | $927 | $296,419 |
| 15年末 |
| 181 | 3/2039 | $1,737 | $933 | $295,486 |
| 182 | 4/2039 | $1,731 | $938 | $294,548 |
| 183 | 5/2039 | $1,726 | $944 | $293,605 |
| 184 | 6/2039 | $1,720 | $949 | $292,655 |
| 185 | 7/2039 | $1,714 | $955 | $291,701 |
| 186 | 8/2039 | $1,709 | $960 | $290,740 |
| 187 | 9/2039 | $1,703 | $966 | $289,774 |
| 188 | 10/2039 | $1,698 | $972 | $288,802 |
| 189 | 11/2039 | $1,692 | $977 | $287,825 |
| 190 | 12/2039 | $1,686 | $983 | $286,842 |
| 191 | 1/2040 | $1,680 | $989 | $285,853 |
| 192 | 2/2040 | $1,675 | $995 | $284,858 |
| 16年末 |
| 193 | 3/2040 | $1,669 | $1,000 | $283,858 |
| 194 | 4/2040 | $1,663 | $1,006 | $282,852 |
| 195 | 5/2040 | $1,657 | $1,012 | $281,839 |
| 196 | 6/2040 | $1,651 | $1,018 | $280,821 |
| 197 | 7/2040 | $1,645 | $1,024 | $279,797 |
| 198 | 8/2040 | $1,639 | $1,030 | $278,767 |
| 199 | 9/2040 | $1,633 | $1,036 | $277,731 |
| 200 | 10/2040 | $1,627 | $1,042 | $276,689 |
| 201 | 11/2040 | $1,621 | $1,048 | $275,640 |
| 202 | 12/2040 | $1,615 | $1,054 | $274,586 |
| 203 | 1/2041 | $1,609 | $1,061 | $273,525 |
| 204 | 2/2041 | $1,602 | $1,067 | $272,458 |
| 17年末 |
| 205 | 3/2041 | $1,596 | $1,073 | $271,385 |
| 206 | 4/2041 | $1,590 | $1,079 | $270,306 |
| 207 | 5/2041 | $1,584 | $1,086 | $269,220 |
| 208 | 6/2041 | $1,577 | $1,092 | $268,128 |
| 209 | 7/2041 | $1,571 | $1,098 | $267,029 |
| 210 | 8/2041 | $1,564 | $1,105 | $265,924 |
| 211 | 9/2041 | $1,558 | $1,111 | $264,813 |
| 212 | 10/2041 | $1,551 | $1,118 | $263,695 |
| 213 | 11/2041 | $1,545 | $1,124 | $262,571 |
| 214 | 12/2041 | $1,538 | $1,131 | $261,440 |
| 215 | 1/2042 | $1,532 | $1,138 | $260,302 |
| 216 | 2/2042 | $1,525 | $1,144 | $259,158 |
| 18年末 |
| 217 | 3/2042 | $1,518 | $1,151 | $258,007 |
| 218 | 4/2042 | $1,511 | $1,158 | $256,849 |
| 219 | 5/2042 | $1,505 | $1,165 | $255,684 |
| 220 | 6/2042 | $1,498 | $1,171 | $254,513 |
| 221 | 7/2042 | $1,491 | $1,178 | $253,335 |
| 222 | 8/2042 | $1,484 | $1,185 | $252,149 |
| 223 | 9/2042 | $1,477 | $1,192 | $250,957 |
| 224 | 10/2042 | $1,470 | $1,199 | $249,758 |
| 225 | 11/2042 | $1,463 | $1,206 | $248,552 |
| 226 | 12/2042 | $1,456 | $1,213 | $247,339 |
| 227 | 1/2043 | $1,449 | $1,220 | $246,119 |
| 228 | 2/2043 | $1,442 | $1,227 | $244,891 |
| 19年末 |
| 229 | 3/2043 | $1,435 | $1,235 | $243,657 |
| 230 | 4/2043 | $1,427 | $1,242 | $242,415 |
| 231 | 5/2043 | $1,420 | $1,249 | $241,166 |
| 232 | 6/2043 | $1,413 | $1,256 | $239,909 |
| 233 | 7/2043 | $1,405 | $1,264 | $238,645 |
| 234 | 8/2043 | $1,398 | $1,271 | $237,374 |
| 235 | 9/2043 | $1,391 | $1,279 | $236,096 |
| 236 | 10/2043 | $1,383 | $1,286 | $234,809 |
| 237 | 11/2043 | $1,376 | $1,294 | $233,516 |
| 238 | 12/2043 | $1,368 | $1,301 | $232,214 |
| 239 | 1/2044 | $1,360 | $1,309 | $230,906 |
| 240 | 2/2044 | $1,353 | $1,317 | $229,589 |
| 20年末 |
| 241 | 3/2044 | $1,345 | $1,324 | $228,265 |
| 242 | 4/2044 | $1,337 | $1,332 | $226,933 |
| 243 | 5/2044 | $1,329 | $1,340 | $225,593 |
| 244 | 6/2044 | $1,322 | $1,348 | $224,245 |
| 245 | 7/2044 | $1,314 | $1,356 | $222,890 |
| 246 | 8/2044 | $1,306 | $1,364 | $221,526 |
| 一周七天 | 9/2044 | $1,298 | $1,372 | $220,155 |
| 248 | 10/2044 | $1,290 | $1,380 | $218,775 |
| 249 | 11/2044 | $1,282 | $1,388 | $217,387 |
| 250 | 12/2044 | $1,274 | $1,396 | $215,992 |
| 251 | 1/2045 | $1,265 | $1,404 | $214,588 |
| 252 | 2/2045 | $1,257 | $1,412 | $213,176 |
| 21年末 |
| 253 | 3/2045 | $1,249 | $1,420 | $211,755 |
| 254 | 4/2045 | $1,241 | $1,429 | $210,326 |
| 255 | 5/2045 | $1,232 | $1,437 | $208,889 |
| 256 | 6/2045 | $1,224 | $1,446 | $207,444 |
| 257 | 7/2045 | $1,215 | $1,454 | $205,990 |
| 258 | 8/2045 | $1,207 | $1,463 | $204,527 |
| 259 | 9/2045 | $1,198 | $1,471 | $203,056 |
| 260 | 10/2045 | $1,190 | $1,480 | $201,577 |
| 261 | 11/2045 | $1,181 | $1,488 | $200,088 |
| 262 | 12/2045 | $1,172 | $1,497 | $198,591 |
| 263 | 1/2046 | $1,163 | $1,506 | $197,085 |
| 264 | 2/2046 | $1,155 | $1,515 | $195,571 |
| 22年末 |
| 265 | 3/2046 | $1,146 | $1,524 | $194,047 |
| 266 | 4/2046 | $1,137 | $1,532 | $192,514 |
| 267 | 5/2046 | $1,128 | $1,541 | $190,973 |
| 268 | 6/2046 | $1,119 | $1,550 | $189,423 |
| 269 | 7/2046 | $1,110 | $1,560 | $187,863 |
| 270 | 8/2046 | $1,101 | $1,569 | $186,294 |
| 271 | 9/2046 | $1,091 | $1,578 | $184,716 |
| 272 | 10/2046 | $1,082 | $1,587 | $183,129 |
| 273 | 11/2046 | $1,073 | $1,596 | $181,533 |
| 274 | 12/2046 | $1,063 | $1,606 | $179,927 |
| 275 | 1/2047 | $1,054 | $1,615 | $178,312 |
| 276 | 2/2047 | $1,045 | $1,625 | $176,687 |
| 23年末 |
| 277 | 3/2047 | $1,035 | $1,634 | $175,053 |
| 278 | 4/2047 | $1,026 | $1,644 | $173,409 |
| 279 | 5/2047 | $1,016 | $1,653 | $171,756 |
| 280 | 6/2047 | $1,006 | $1,663 | $170,093 |
| 281 | 7/2047 | $996 | $1,673 | $168,420 |
| 282 | 8/2047 | $987 | $1,683 | $166,737 |
| 283 | 9/2047 | $977 | $1,692 | $165,045 |
| 284 | 10/2047 | $967 | $1,702 | $163,342 |
| 285 | 11/2047 | $957 | $1,712 | $161,630 |
| 286 | 12/2047 | $947 | $1,722 | $159,908 |
| 287 | 1/2048 | $937 | $1,732 | $158,175 |
| 288 | 2/2048 | $927 | $1,743 | $156,433 |
| 24年末 |
| 289 | 3/2048 | $916 | $1,753 | $154,680 |
| 290 | 4/2048 | $906 | $1,763 | $152,917 |
| 291 | 5/2048 | $896 | $1,773 | $151,143 |
| 292 | 6/2048 | $885 | $1,784 | $149,359 |
| 293 | 7/2048 | $875 | $1,794 | $147,565 |
| 294 | 8/2048 | $864 | $1,805 | $145,760 |
| 295 | 9/2048 | $854 | $1,815 | $143,945 |
| 296 | 10/2048 | $843 | $1,826 | $142,119 |
| 297 | 11/2048 | $833 | $1,837 | $140,282 |
| 298 | 12/2048 | $822 | $1,847 | $138,435 |
| 299 | 1/2049 | $811 | $1,858 | $136,577 |
| 300 | 2/2049 | $800 | $1,869 | $134,707 |
| 25年末 |
| 301 | 3/2049 | $789 | $1,880 | $132,827 |
| 302 | 4/2049 | $778 | $1,891 | $130,936 |
| 303 | 5/2049 | $767 | $1,902 | $129,034 |
| 304 | 6/2049 | $756 | $1,913 | $127,121 |
| 305 | 7/2049 | $745 | $1,925 | $125,196 |
| 306 | 8/2049 | $733 | $1,936 | $123,260 |
| 307 | 9/2049 | $722 | $1,947 | $121,313 |
| 308 | 10/2049 | $711 | $1,959 | $119,354 |
| 309 | 11/2049 | $699 | $1,970 | $117,384 |
| 310 | 12/2049 | $688 | $1,982 | $115,403 |
| 311 | 1/2050 | $676 | $1,993 | $113,410 |
| 312 | 2/2050 | $664 | $2,005 | $111,405 |
| 26年末 |
| 313 | 3/2050 | $653 | $2,017 | $109,388 |
| 314 | 4/2050 | $641 | $2,028 | $107,360 |
| 315 | 5/2050 | $629 | $2,040 | $105,319 |
| 316 | 6/2050 | $617 | $2,052 | $103,267 |
| 317 | 7/2050 | $605 | $2,064 | $101,203 |
| 318 | 8/2050 | $593 | $2,076 | $99,126 |
| 319 | 9/2050 | $581 | $2,089 | $97,038 |
| 320 | 10/2050 | $568 | $2,101 | $94,937 |
| 321 | 11/2050 | $556 | $2,113 | $92,824 |
| 322 | 12/2050 | $544 | $2,125 | $90,698 |
| 323 | 1/2051 | $531 | $2,138 | $88,560 |
| 324 | 2/2051 | $519 | $2,150 | $86,410 |
| 27年末 |
| 325 | 3/2051 | $506 | $2,163 | $84,247 |
| 326 | 4/2051 | $494 | $2,176 | $82,071 |
| 327 | 5/2051 | $481 | $2,188 | $79,883 |
| 328 | 6/2051 | $468 | $2,201 | $77,681 |
| 329 | 7/2051 | $455 | $2,214 | $75,467 |
| 330 | 8/2051 | $442 | $2,227 | $73,240 |
| 331 | 9/2051 | $429 | $2,240 | $71,000 |
| 332 | 10/2051 | $416 | $2,253 | $68,747 |
| 333 | 11/2051 | $403 | $2,267 | $66,480 |
| 334 | 12/2051 | $389 | $2,280 | $64,200 |
| 335 | 1/2052 | $376 | $2,293 | $61,907 |
| 336 | 2/2052 | $363 | $2,307 | $59,600 |
| 28年末 |
| 337 | 3/2052 | $349 | $2,320 | $57,280 |
| 338 | 4/2052 | $336 | $2,334 | $54,947 |
| 339 | 5/2052 | $322 | $2,347 | $52,599 |
| 340 | 6/2052 | $308 | $2,361 | $50,238 |
| 341 | 7/2052 | $294 | $2,375 | $47,863 |
| 342 | 8/2052 | $280 | $2,389 | $45,474 |
| 343 | 9/2052 | $266 | $2,403 | $43,071 |
| 344 | 10/2052 | $252 | $2,417 | $40,654 |
| 345 | 11/2052 | $238 | $2,431 | $38,223 |
| 346 | 12/2052 | $224 | $2,445 | $35,778 |
| 347 | 1/2053 | $210 | $2,460 | $33,318 |
| 348 | 2/2053 | $195 | $2,474 | $30,844 |
| 29年末 |
| 349 | 3/2053 | $181 | $2,489 | $28,356 |
| 350 | 4/2053 | $166 | $2,503 | $25,852 |
| 351 | 5/2053 | $151 | $2,518 | $23,335 |
| 352 | 6/2053 | $137 | $2,533 | $20,802 |
| 353 | 7/2053 | $122 | $2,547 | $18,255 |
| 354 | 8/2053 | $107 | $2,562 | $15,692 |
| 355 | 9/2053 | $92 | $2,577 | $13,115 |
| 356 | 10/2053 | $77 | $2,592 | $10,523 |
| 357 | 11/2053 | $62 | $2,608 | $7,915 |
| 358 | 12/2053 | $46 | $2,623 | $5,292 |
| 359 | 1/2054 | $31 | $2,638 | $2,654 |
| 360 | 2/2054 | $16 | $2,654 | $0 |
| 第30年末 |
| 年 | 日期 | 興趣 | 校長 | 期末余額 |
|---|
| 一 | 3/24-2/25 | $27,991 | $4,040 | $395,960 |
| 2 | 3/25-2/26 | $27,698 | $4,333 | $391,627 |
| 3 | 3/26-2/27 | $27,384 | $4,648 | $386,979 |
| 四 | 3/27-2/28 | $27,046 | $4,985 | $381,994 |
| 5 | 3/28-2/29 | $26,684 | $5,347 | $376,647 |
| 6 | 3/29-2/30 | $26,296 | $5,735 | $370,911 |
| 七 | 3/30-2/31 | $25,879 | $6,152 | $364,759 |
| 8 | 3/31-2/32 | $25,433 | $6,599 | $358,161 |
| 9 | 3/32-2/33 | $24,954 | $7,078 | $351,083 |
| 10 | 3/33-2/34 | $24,440 | $7,592 | $343,491 |
| 11 | 3/34-2/35 | $23,888 | $8,143 | $335,348 |
| 12 | 3/35-2/36 | $23,297 | $8,734 | $326,614 |
| 13 | 3/36-2/37 | $22,663 | $9,368 | $317,246 |
| 14 | 3/37-2/38 | $21,983 | $10,049 | $307,197 |
| 15 | 3/38-2/39 | $21,253 | $10,778 | $296,419 |
| 16 | 3/39-2/40 | $20,470 | $11,561 | $284,858 |
| 17 | 3/40-2/41 | $19,631 | $12,400 | $272,458 |
| 18 | 3/41-2/42 | $18,731 | $13,301 | $259,158 |
| 19 | 3/42-2/43 | $17,765 | $14,266 | $244,891 |
| 20 | 3/43-2/44 | $16,729 | $15,302 | $229,589 |
| 21 | 3/44-2/45 | $15,618 | $16,413 | $213,176 |
| 22 | 3/45-2/46 | $14,426 | $17,605 | $195,571 |
| 23 | 3/46-2/47 | $13,148 | $18,883 | $176,687 |
| 24 | 3/47-2/48 | $11,777 | $20,255 | $156,433 |
| 25 | 3/48-2/49 | $10,306 | $21,725 | $134,707 |
| 26 | 3/49-2/50 | $8,729 | $23,303 | $111,405 |
| 27 | 3/50-2/51 | $7,037 | $24,995 | $86,410 |
| 28 | 3/51-2/52 | $5,222 | $26,810 | $59,600 |
| 29 | 3/52-2/53 | $3,275 | $28,756 | $30,844 |
| 30 | 3/53-2/54 | $1,187 | $30,844 | $0 |
什么是攤銷？
就貸款而言，分期償還是一種在一段時間內將貸款分成一系列付款的方式。使用這種技術，貸款余額將隨著每次付款而下降，借款人將在完成一系列計劃付款后還清余額。
銀行分期償還許多面向消費者的貸款，如住房抵押貸款、汽車貸款和個人貸款。盡管如此，我們的抵押貸款攤銷計算器是專門為住房抵押貸款設計的。
在大多數情況下，分期付款是在整個貸款期限內平均分攤的固定月付款。每筆付款由兩部分組成，利息和本金。利息是借款的費用，通常是未償還貸款余額的百分比。本金是用于償還貸款余額的那部分付款。
隨著時間的推移，貸款余額會隨著本金還款的逐漸增加而下降。換句話說，隨著貸款的剩余本金余額下降，每次付款的利息部分將減少。當借款人接近貸款期限結束時，銀行會將幾乎所有的付款用于減少本金。
下面的分期償還表說明了這一過程，計算了固定的每月還款額，并提供了貸款的年度或月度分期償還計劃。例如，一家銀行將以5%的利率將一筆5年期20，000美元的貸款分期償還，5年內每月還款377.42美元。
| 月 | 期初余額 | 支付 | 興趣 | 校長 | 期末余額 |
| 一 | $20,000.00 | $377.42 | $83.33 | $294.09 | $19,705.91 |
| 2 | $19,705.91 | $377.42 | $82.11 | $295.31 | $19,410.59 |
| 3 | $19,410.59 | $377.42 | $80.88 | $296.54 | $19,114.04 |
| 四 | $19,114.04 | $377.42 | $79.64 | $297.78 | $18,816.26 |
| ... | ... | ... | ... | ... | ... |
| 58 | $1,122.90 | $377.42 | $4.68 | $372.74 | $750.16 |
| 59 | $750.16 | $377.42 | $3.13 | $374.29 | $375.86 |
| 60 | $375.86 | $377.42 | $1.57 | $375.85 | $0.00 |
該計算器還可以估計與房屋所有權相關的其他成本，讓借款人更準確地了解與擁有房屋相關的成本。
更快分期償還抵押貸款并節省資金
在許多情況下，借款人可能希望提前還清抵押貸款以節省利息、擺脫債務或其他原因。
然而，貸款期限延長有助于提高貸款銀行的利潤。攤銷表顯示了貸款如何將較大的利息支付集中在貸款開始時，從而增加銀行的收入。此外，一些貸款合同可能沒有明確允許一些貸款減少技術。因此，借款人可能首先需要與貸款銀行核實是否允許使用此類策略。
盡管如此，假設抵押貸款協議允許更快還款，借款人可以采用以下技巧更快地減少抵押貸款余額并節省資金:
增加定期付款
一種更快還清抵押貸款的方法是每月額外支付少量款項。這項技術可以為借款人節省一大筆錢。
例如，一名借款人有一筆15萬美元的抵押貸款，以5.45%的利率分期償還25年，他可以在抵押貸款期限內每月多支付50美元，提前2.5年還清貸款。這將節省14 000多美元。
加速付款
大多數金融機構除了每月支付一次以外，還提供多種支付頻率選擇。轉向更頻繁的還款方式，如兩周還款一次，會導致借款人每年額外還款一次。這將為抵押貸款節省大量資金。
例如，假設借款人有一筆150，000美元的抵押貸款，分期償還25年，利率為6.45%，每兩周而不是每月分期償還。通過每兩周支付月還款額的一半，這個人可以在貸款期限內節省近3萬美元。
一次性付款或預付款
提前還款是定期按揭分期付款之外的一次性付款。這些額外的付款減少了抵押貸款的未償余額，導致抵押貸款期限縮短。借款人提前還款越早，支付的總利息就越低，通常會導致抵押貸款償還更快。
盡管如此，借款人應該記住，銀行可能會對提前還款做出規定，因為它們會減少銀行在特定抵押貸款上的收益。這些條件可能包括對提前還款的罰款、借款人可以一次性支付的金額上限或指定的提前還款最低金額。如果存在這種情況，銀行通常會在抵押協議中詳細說明。
抵押貸款再融資
再融資包括用新的抵押貸款合同替換現有的抵押貸款。雖然這通常意味著不同的利率和新的貸款條件，但它也涉及新的申請、承銷流程和結算，從而產生大量費用和其他成本。
盡管存在這些挑戰，再融資仍能讓借款人受益，但他們應該仔細權衡兩者的對比，并徹底閱讀任何新協議。
更快分期償還抵押貸款的缺點
在提前償還抵押貸款之前，借款人還應該了解提前償還抵押貸款的不利之處。總體而言，與個人貸款或信用卡等其他貸款類型的利率相比，抵押貸款利率相對較低。因此，提前償還抵押貸款意味著借款人無法用這筆錢進行投資并在其他地方獲得更高的回報。換句話說，借款人償還利率為4%的抵押貸款可能會產生巨大的機會成本，而他們可以通過投資獲得10%的回報。
提前還款罰款或納稅申報單上的抵押貸款利息扣除損失是機會成本的其他例子。借款人在支付額外款項前應考慮這些因素。
