Calculez votre paiement mensuel, les intérêts totaux payés et le tableau d'amortissement complet.
Your monthly mortgage payment is made up of four components — often called PITI: Principal, Intérêts, Impôtes, and Insurance. The principal and interest portion is fixed for the life of a fixed-rate mortgage, while taxes and insurance can change annuelly.
A common rule of thumb is the 28/36 rule: your mortgage payment should not exceed 28% of your gross monthly income, and your total debt payments should not exceed 36%. So if you earn $6,000/month, your mortgage payment should ideally stay under $1,680.
A fixed-rate mortgage locks your interest rate for the entire loan term, giving you predictable payments. An adjustable-rate mortgage (ARM) starts with a lower rate that can change after an initial period — beneficial if you plan to sell or refinance within a few years, but risky if rates rise.
A larger down payment reduces your loan amount, lowers your monthly payment, and eliminates the need for private mortgage insurance (PMI) if you reach 20%. Even going from 10% to 15% down can save you thousands over the life of the loan.
Cette calculatrice est à des fins informatives et éducatives uniquement. Les résultats sont des estimations. Consultez toujours un professionnel hypothécaire agréé.