모기지 계산기
주택 가격·계약금·금리·기간으로 월 납입금을 계산합니다.
총 월 납입금
-
/월
원금 + 이자-
월 재산세-
월 보험료-
대출 요약
대출 금액-
총 이자-
총 상환액-
원금 VS 이자
원금
이자
상환 스케줄 (처음 12개월)
| # | 원금 | 이자 | 잔액 |
|---|
How to Calculate Mortgage Payment
Monthly P&I = L × r(1+r)ⁿ / ((1+r)ⁿ−1), where L = loan amount, r = monthly rate (annual ÷ 12), n = total payments. Add monthly property tax and insurance for total monthly cost.
Q. How much mortgage can I afford?
The 28% rule: monthly housing costs should not exceed 28% of gross monthly income. For a $6,000/month salary, max payment is $1,680.
Q. How does down payment affect my mortgage?
A larger down payment reduces your loan amount and monthly payment. Putting 20% down typically eliminates PMI (Private Mortgage Insurance), saving $100–200/month.