Calcolatore di mutuo
Calcola le rate del mutuo, gli interessi totali e l'importo del rimborso
Risultati in tempo reale
Importo del pagamento mensile fisso
L'importo totale che pagherai durante la durata del prestito
Gli interessi totali che pagherai durante la durata del prestito
La percentuale del prezzo della casa che viene finanziata
Riepilogo del prestito
Informazioni di base sul mutuo
| Voce | Valore |
|---|---|
| Prezzo della casa | ¥1,000,000 |
| Acconto | ¥300,000 (30%) |
| Importo del prestito | ¥700,000 |
| Durata del prestito | 30 years (360 months) |
| Tasso di interesse | 4.1% |
Piano di ammortamento
Ripartizione mensile dei tuoi pagamenti del prestito
Vedi dettagli (13)
| Voce | Valore |
|---|---|
| Mese 1 Capitale: ¥990.72 | Interessi: ¥2391.67 | Saldo: ¥699009.28 | ¥3382.39 |
| Mese 2 Capitale: ¥994.11 | Interessi: ¥2388.28 | Saldo: ¥698015.17 | ¥3382.39 |
| Mese 3 Capitale: ¥997.50 | Interessi: ¥2384.89 | Saldo: ¥697017.67 | ¥3382.39 |
| Mese 4 Capitale: ¥1000.91 | Interessi: ¥2381.48 | Saldo: ¥696016.76 | ¥3382.39 |
| Mese 5 Capitale: ¥1004.33 | Interessi: ¥2378.06 | Saldo: ¥695012.42 | ¥3382.39 |
| Mese 6 Capitale: ¥1007.76 | Interessi: ¥2374.63 | Saldo: ¥694004.66 | ¥3382.39 |
| Mese 7 Capitale: ¥1011.21 | Interessi: ¥2371.18 | Saldo: ¥692993.46 | ¥3382.39 |
| Mese 8 Capitale: ¥1014.66 | Interessi: ¥2367.73 | Saldo: ¥691978.80 | ¥3382.39 |
| Mese 9 Capitale: ¥1018.13 | Interessi: ¥2364.26 | Saldo: ¥690960.67 | ¥3382.39 |
| Mese 10 Capitale: ¥1021.61 | Interessi: ¥2360.78 | Saldo: ¥689939.06 | ¥3382.39 |
| Mese 11 Capitale: ¥1025.10 | Interessi: ¥2357.29 | Saldo: ¥688913.96 | ¥3382.39 |
| Mese 12 Capitale: ¥1028.60 | Interessi: ¥2353.79 | Saldo: ¥687885.36 | ¥3382.39 |
| Ultimo mese Capitale: ¥3370.87 | Interessi: ¥11.52 | Saldo: ¥0.00 | ¥3382.39 |
Ripartizione dei pagamenti
Proporzione di capitale e interessi
Disclaimer
I risultati di questo strumento finanziario sono solo per stima e riferimento, non costituiscono consulenza finanziaria.
Perché scegliere Calcolatore di mutuo
Calcola le rate del mutuo, gli interessi totali e l'importo del rimborso
- ✓Instantly compare cumulative interest savings between Fixed EMI and Reducing Principal repayment.
- ✓Fully supports commercial, public housing fund, and combination mortgage calculators.
- ✓Enables interactive scenarios for early payoff to evaluate shortening terms vs. reducing monthly payments.
Come calcolare
- 1Enter your loan amount and Interest Rate in the designated fields.
- 2Set the loan term and select your preferred repayment frequency (monthly, bi-weekly, or weekly).
- 3Optionally add any extra monthly payments to see how they accelerate your payoff timeline.
- 4Review the instant amortization schedule showing principal vs. interest breakdown for each payment period.
- 5Use the interactive growth chart to visualize your remaining balance over time and identify the payoff date.
Domande frequenti (FAQ)
Should I choose Equated Monthly Installments (EMI) or Reducing Balance repayments?
Fixed EMI offers highly predictable, consistent monthly payments, which is great for budget management, though you pay more interest over time. Reducing Balance (Equated Principal) repayments start high but steadily decrease monthly, generating significantly less cumulative interest. Choose the former for short-term budget ease, and the latter for overall long-term interest savings.
When paying off my mortgage early, is it better to shorten the tenure or lower the monthly payments?
If you prioritize maximizing overall interest savings, 'shortening the loan tenure while keeping the payment same' is mathematically superior because it stops compounding interest faster. If your primary goal is freeing up monthly cash flow to offset unexpected financial strains, choosing 'lowering the monthly payment' is more appropriate.
What is the difference between a fixed-rate and adjustable-rate loan?
A fixed-rate loan maintains the same interest rate throughout the entire term, ensuring predictable monthly payments. An adjustable-rate mortgage (ARM) starts with a lower rate that periodically adjusts based on market indices like SOFR. Fixed rates are ideal for long-term stability, while ARMs may benefit borrowers planning to sell or refinance within 5–7 years.
How is monthly loan payment calculated?
Monthly payments use the amortization formula: M = P × [r(1+r)^n] / [(1+r)^n − 1], where P is the principal, r is the monthly interest rate (annual rate ÷ 12), and n is the total number of payments. This formula ensures each payment covers both interest and principal, with the interest portion decreasing over time.
What is the difference between APR and interest rate?
The nominal interest rate is the base cost of borrowing, while APR (Annual Percentage Rate) includes the interest rate plus mandatory fees like origination charges, mortgage insurance, and closing costs. APR provides a more accurate comparison between loan offers because it reflects the true total cost of borrowing.
How much can I afford to borrow?
Financial advisors recommend the 28/36 rule: your housing costs should not exceed 28% of gross monthly income, and total debt payments should stay below 36%. Lenders also consider your debt-to-income ratio (DTI), credit score, and employment history. A lower DTI and higher credit score qualify you for larger loans with better rates.
Authoritative References & Sources
Consumer Financial Protection Bureau — Mortgage & Loan Resources
Vedi fonteFederal Reserve — Consumer Credit Statistics (G.19)
Vedi fonteInvestopedia — Amortization Schedule Explained
Vedi fonteCalcolatori correlati
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