Apartment Mortgage Calculator
2026 Apartment Mortgage Interest and Payment Calculator
Accurately calculate mortgage interest and monthly payments for apartment purchases. Get customized loan simulations considering LTV and DTI limits.
💡 What is an Apartment Mortgage?
An apartment mortgage is a home loan secured by your apartment. Typically, you can borrow up to 40-70% (LTV) of the property value, with options for equal principal and interest or equal principal repayment methods.
🏠 Mortgage Calculator
Monthly Payment
152만원
Total Payment
5.5억원
Total Interest
2.5억원
82.4% of principal
📊 Principal vs Interest
Principal
3.0억원
Interest
2.5억원
📅 Payment Schedule
| Year | Annual Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 18,240,671원 | 4,839,680원 | 13,400,991원 | 3.0억원 |
| 2 | 18,240,671원 | 5,062,014원 | 13,178,657원 | 2.9억원 |
| 3 | 18,240,671원 | 5,294,562원 | 12,946,109원 | 2.8억원 |
| 4 | 18,240,671원 | 5,537,793원 | 12,702,878원 | 2.8억원 |
| 5 | 18,240,671원 | 5,792,199원 | 12,448,472원 | 2.7억원 |
| 6 | 18,240,671원 | 6,058,291원 | 12,182,380원 | 2.7억원 |
| 7 | 18,240,671원 | 6,336,608원 | 11,904,063원 | 2.6억원 |
| 8 | 18,240,671원 | 6,627,711원 | 11,612,960원 | 2.5억원 |
| 9 | 18,240,671원 | 6,932,187원 | 11,308,484원 | 2.5억원 |
| 10 | 18,240,671원 | 7,250,650원 | 10,990,021원 | 2.4억원 |
| ... Total 30 years | ||||
💰 Interest Rate Comparison
| Rate | Monthly | Total Interest | Difference |
|---|---|---|---|
| 3.5% | 1,347,134원 | 1.8억원 | -62,251,872원 |
| 4.0% | 1,432,246원 | 2.2억원 | -31,611,616원 |
| 4.5% | 1,520,056원 | 2.5억원 | +0원 |
| 5.0% | 1,610,465원 | 2.8억원 | +3255만원 |
| 5.5% | 1,703,367원 | 3.1억원 | +6599만원 |
Mortgage Calculation Result
Monthly 152만원
✨ Total interest 2.5억원Loan 3.0억원, 4.5% rate, 30 years
💡 Figure it out together
Better when calculated together
#MortgageCalculator #HomeLoan #InterestRate
Important Note
This calculator is for reference only. Actual loan terms may vary based on lender, credit score, and collateral value. Contact your financial institution for accurate information.
📐 Loan Limit & Payment Formulas
LTV Limit = Apartment Value × LTV Ratio (40-70%)
DTI Limit = Annual Income × DTI Ratio ÷ 12 × Term
Monthly Payment = Principal × [Rate × (1+Rate)^Term] / [(1+Rate)^Term-1]
📝 How to Use the Calculator
- Enter the apartment value or desired loan amount
- Enter the interest rate (current rates ~3.5-5%)
- Select repayment period (10-40 years)
- Choose repayment method
- Click calculate to see monthly payments
📊 Monthly Payment Examples (4% rate, 30 years)
| Loan Amount | Monthly Payment | Total Interest | Total Payment |
|---|---|---|---|
| $100K | $477 | $71,869 | $171,869 |
| $200K | $954 | $143,739 | $343,739 |
| $300K | $1,432 | $215,608 | $515,608 |
| $400K | $1,909 | $287,478 | $687,478 |
| $500K | $2,387 | $359,347 | $859,347 |
🏠 Apartment Mortgage Tips
- Speculation hotspot: LTV 40%, Regulated area: LTV 50%, Non-regulated: LTV 70%
- First-time homebuyers may get preferential rates
- Compare fixed vs variable interest rates
- Check prepayment penalties (usually 1.2-1.5%)
📚 Guide de calcul local
Logique de formule
Utilise des formules publiques de finance, prêt, ratio et conversion.
Périmètre des sources
Références basées sur standards publics et pratiques courantes par pays.
Hypothèses
Taxes, frais, taux et plafonds varient selon la région et l’organisme.
Result Interpretation
Utilisez ce résultat comme scénario de base. Avant décision, comparez-le avec une offre réelle et la fiscalité locale.
Préréglage local
Devise: EUR
Unités: metric
Modèle fiscal: US payroll estimate
Note réglementaire
Cet outil utilise des préréglages régionaux pour l’estimation. Les conditions réelles et limites légales varient selon l’établissement et la loi locale.
Actions recommandées
- Comparez au moins 2-3 établissements locaux avant décision.
- Vérifiez par écrit frais, fiscalité et clause de remboursement anticipé.
- Testez un scénario de stress avec +1-2% de taux.
Avant toute décision réelle, vérifiez les règles locales à jour.