Si está listo para comprar una casa, quizá se pregunte cómo presupuestar el coste de la vivienda que desea. Aquí tienes un desglose de lo que podrías afrontar mensualmente, en intereses y a lo largo de la vida de una $800,000 hipoteca.
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Compara las mejores marcas por tipo de préstamo hipotecario, disponibilidad estatal y puntuación crediticia. Seleccione Ver tarifas para proporcionar al prestamista los detalles básicos de la propiedad y financieros para obtener tarifas personalizadas. Disclaimer: The partners on Finder's mortgage comparison tables are sorted in alphabetical order.
Cuando contratas una hipoteca, te comprometes a pagar el capital y los intereses durante la vida del préstamo. El tipo de interés se aplica al saldo y, a medida que se va pagando, se reduce la cantidad que se paga en concepto de intereses.
Amortización significa que, al principio del préstamo, un gran porcentaje del pago se aplica a los intereses. Con cada pago posterior, usted paga más por su saldo.
Calcule las cuotas mensuales de su préstamo en una hipoteca en un interés fijo con nuestro plan de amortización a 15 y 30 años.
| Year | Beginning balance | Monthly payment | Total interest paid | Total principal paid | Total paid throughout the year | Remaining balance |
|---|---|---|---|---|---|---|
| 1 | $800,000 | $5,322 | $55,743 | $8,126 | $63,869 | $791,874 |
| 2 | $791,874 | $5,322 | $55,155 | $8,714 | $63,869 | $783,160 |
| 3 | $783,160 | $5,322 | $54,525 | $9,344 | $63,869 | $773,816 |
| 4 | $773,816 | $5,322 | $53,850 | $10,019 | $63,869 | $763,796 |
| 5 | $763,796 | $5,322 | $53,125 | $10,744 | $63,869 | $753,053 |
| 6 | $753,053 | $5,322 | $52,349 | $11,520 | $63,869 | $741,532 |
| 7 | $741,532 | $5,322 | $51,516 | $12,353 | $63,869 | $729,179 |
| 8 | $729,179 | $5,322 | $50,623 | $13,246 | $63,869 | $715,933 |
| 9 | $715,933 | $5,322 | $49,665 | $14,204 | $63,869 | $701,730 |
| 10 | $701,730 | $5,322 | $48,639 | $15,230 | $63,869 | $686,499 |
| 11 | $686,499 | $5,322 | $47,538 | $16,331 | $63,869 | $670,168 |
| 12 | $670,168 | $5,322 | $46,357 | $17,512 | $63,869 | $652,656 |
| 13 | $652,656 | $5,322 | $45,091 | $18,778 | $63,869 | $633,878 |
| 14 | $633,878 | $5,322 | $43,734 | $20,135 | $63,869 | $613,742 |
| 15 | $613,742 | $5,322 | $42,278 | $21,591 | $63,869 | $592,151 |
| 16 | $592,151 | $5,322 | $40,717 | $23,152 | $63,869 | $568,999 |
| 17 | $568,999 | $5,322 | $39,043 | $24,826 | $63,869 | $544,173 |
| 18 | $544,173 | $5,322 | $37,249 | $26,620 | $63,869 | $517,553 |
| 19 | $517,553 | $5,322 | $35,324 | $28,545 | $63,869 | $489,009 |
| 20 | $489,009 | $5,322 | $33,261 | $30,608 | $63,869 | $458,401 |
| 21 | $458,401 | $5,322 | $31,048 | $32,821 | $63,869 | $425,580 |
| 22 | $425,580 | $5,322 | $28,676 | $35,193 | $63,869 | $390,387 |
| 23 | $390,387 | $5,322 | $26,132 | $37,737 | $63,869 | $352,649 |
| 24 | $352,649 | $5,322 | $23,404 | $40,466 | $63,869 | $312,184 |
| 25 | $312,184 | $5,322 | $20,478 | $43,391 | $63,869 | $268,793 |
| 26 | $268,793 | $5,322 | $17,342 | $46,527 | $63,869 | $222,265 |
| 27 | $222,265 | $5,322 | $13,978 | $49,891 | $63,869 | $172,374 |
| 28 | $172,374 | $5,322 | $10,371 | $53,498 | $63,869 | $118,877 |
| 29 | $118,877 | $5,322 | $6,504 | $57,365 | $63,869 | $61,512 |
| 30 | $61,512 | $5,322 | $2,357 | $61,512 | $63,869 | $0 |
| Year | Beginning balance | Monthly payment | Total interest paid | Total principal paid | Total paid throughout the year | Remaining balance |
|---|---|---|---|---|---|---|
| 1 | $800,000 | $7,191 | $55,009 | $31,278 | $86,288 | $768,722 |
| 2 | $768,722 | $7,191 | $52,748 | $33,540 | $86,288 | $735,182 |
| 3 | $735,182 | $7,191 | $50,323 | $35,964 | $86,288 | $699,218 |
| 4 | $699,218 | $7,191 | $47,724 | $38,564 | $86,288 | $660,654 |
| 5 | $660,654 | $7,191 | $44,936 | $41,352 | $86,288 | $619,302 |
| 6 | $619,302 | $7,191 | $41,946 | $44,341 | $86,288 | $574,961 |
| 7 | $574,961 | $7,191 | $38,741 | $47,546 | $86,288 | $527,415 |
| 8 | $527,415 | $7,191 | $35,304 | $50,984 | $86,288 | $476,431 |
| 9 | $476,431 | $7,191 | $31,618 | $54,669 | $86,288 | $421,762 |
| 10 | $421,762 | $7,191 | $27,666 | $58,621 | $86,288 | $363,141 |
| 11 | $363,141 | $7,191 | $23,429 | $62,859 | $86,288 | $300,282 |
| 12 | $300,282 | $7,191 | $18,884 | $67,403 | $86,288 | $232,879 |
| 13 | $232,879 | $7,191 | $14,012 | $72,276 | $86,288 | $160,603 |
| 14 | $160,603 | $7,191 | $8,787 | $77,500 | $86,288 | $83,103 |
| 15 | $83,103 | $7,191 | $3,185 | $83,103 | $86,288 | $0 |
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