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.
๐ก 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.
๐ Mortgage Calculator
Monthly Payment
152๋ง์
Total Payment
5.5์ต์
Total Interest
2.5์ต์
82.4% of principal
๐ Principal vs Interest
Principal
3.0์ต์
Interest
2.5์ต์
๐ Payment Schedule
| Year | Annual Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 18,240,671์ | 4,839,680์ | 13,400,991์ | 3.0์ต์ |
| 2 | 18,240,671์ | 5,062,014์ | 13,178,657์ | 2.9์ต์ |
| 3 | 18,240,671์ | 5,294,562์ | 12,946,109์ | 2.8์ต์ |
| 4 | 18,240,671์ | 5,537,793์ | 12,702,878์ | 2.8์ต์ |
| 5 | 18,240,671์ | 5,792,199์ | 12,448,472์ | 2.7์ต์ |
| 6 | 18,240,671์ | 6,058,291์ | 12,182,380์ | 2.7์ต์ |
| 7 | 18,240,671์ | 6,336,608์ | 11,904,063์ | 2.6์ต์ |
| 8 | 18,240,671์ | 6,627,711์ | 11,612,960์ | 2.5์ต์ |
| 9 | 18,240,671์ | 6,932,187์ | 11,308,484์ | 2.5์ต์ |
| 10 | 18,240,671์ | 7,250,650์ | 10,990,021์ | 2.4์ต์ |
| ... Total 30 years | ||||
๐ฐ Interest Rate Comparison
| Rate | Monthly | Total Interest | Difference |
|---|---|---|---|
| 3.5% | 1,347,134์ | 1.8์ต์ | -62,251,872์ |
| 4.0% | 1,432,246์ | 2.2์ต์ | -31,611,616์ |
| 4.5% | 1,520,056์ | 2.5์ต์ | +0์ |
| 5.0% | 1,610,465์ | 2.8์ต์ | +3255๋ง์ |
| 5.5% | 1,703,367์ | 3.1์ต์ | +6599๋ง์ |
Mortgage Calculation Result
Monthly 152๋ง์
โจ Total interest 2.5์ต์Loan 3.0์ต์, 4.5% rate, 30 years
๐ก 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.
๐ Loan Limit & Payment Formulas
LTV Limit = Apartment Value ร LTV Ratio (40-70%)
DTI Limit = Annual Income ร DTI Ratio รท 12 ร Term
Monthly Payment = Principal ร [Rate ร (1+Rate)^Term] / [(1+Rate)^Term-1]
๐ 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
๐ 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 |
๐ 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%)
๐ Panduan perhitungan lokal
Logika rumus
Menggunakan rumus publik untuk keuangan, pinjaman, rasio, dan konversi satuan.
Cakupan sumber
Mengacu pada standar publik dan praktik umum per negara.
Asumsi
Pajak, biaya, suku bunga, dan batas berbeda antar wilayah/lembaga.
Result Interpretation
Gunakan hasil ini sebagai skenario dasar. Sebelum memutuskan, bandingkan dengan penawaran nyata dan aturan pajak lokal.
Preset lokal
Mata uang: IDR
Satuan: metric
Model pajak: US payroll estimate
Catatan regulasi
Alat ini memakai preset regional untuk estimasi. Syarat nyata dan batas hukum dapat berbeda menurut lembaga dan aturan lokal.
Aksi yang disarankan
- Bandingkan minimal 2-3 penyedia lokal sebelum final.
- Cek ulang biaya, pajak, dan klausul pelunasan dipercepat secara tertulis.
- Uji skenario stres dengan bunga +1-2% dan pendapatan turun.
Sebelum keputusan nyata, pastikan aturan terbaru di lembaga setempat.