What is "Mortgage"?
A mortgage is a long-term home loan secured by property. Rate alone is not enough; payment stress and total cost matter too.
Example: A lower rate can still be worse if fees, insurance, or payment volatility are ignored.
🏠 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
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#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.
💡Check these out next
このツールを使うべき人
どんな人に向いているかを先に確認できます。
Best-fit users
Useful when you want numbers around fixed vs variable rates and down payment pressure.
Comparison-first users
Helpful when you need to compare your current setup against a realistic alternative.
Cash-flow aware users
Good when sustainability matters more than the headline number.
People who need a baseline
Start here when you want a numeric baseline before taking action.
計算例
具体例で使いどころをすぐ判断できます。
Scenario 1
Run a realistic baseline first
Result
See the first decision threshold quickly
A rough baseline is better than guessing.
Scenario 2
Change one major variable
Result
Watch how decision quality changes
Structure often matters more than the headline number.
Scenario 3
Use a more conservative assumption
Result
Stress-test the plan before committing
Conservative assumptions usually create better real-world plans.
似た状況の比較
X vs Y、いくらまで可能か、いつ有利かを整理します。
X vs Y
Best for
When two choices look similar on the surface
Watch for
The hidden structure often matters more than the headline number.
Decision rule
Cash flow and sustainability usually matter more than optics.
How much is really affordable?
Best for
When approved amount and healthy amount are not the same
Watch for
Maximum eligibility is rarely the same as safe capacity.
Decision rule
Set the monthly burden you can carry first, then build around it.
When is this favorable?
Best for
When timing or conditions change the answer
Watch for
Delay can become more expensive than expected.
Decision rule
Prepared structure and consistency usually beat perfect timing.
Expert Tip
Reducing your rate by just 0.5% on a $300,000 loan saves ~$30,000 over 30 years. Compare multiple banks and use rate reduction rights. Also, fixed principal repayment saves 10-15% in total interest vs. fixed payment.
— Real Estate Finance Expert
よくある質問
Start with the assumption that changes the result most. This tool is most useful for setting a decision baseline, not pretending the first number is perfect.
For $300,000 at 4% over 30 years with fixed payment: ~$1,430/month. With fixed principal: starts at $1,830 and decreases. Fixed principal saves ~$15,000 in total interest.
💡 A 0.5% rate decrease saves about $80/month!
Fixed principal saves more on total interest but has higher initial payments. If you need stable payments now, choose fixed payment. You can always make extra payments later when you have more income.
💡 Check prepayment penalties before refinancing!
LTV is loan-to-value ratio (loan limit vs property value), DTI is debt-to-income (loan payments vs income), DSR is debt service ratio (all loan payments vs income). Regulated areas limit LTV to 40-50% and DSR to 40%.
💡 Use our calculator to check your DSR too!
Choose fixed if you expect rates to rise, variable if you expect them to fall. Mixed rate (fixed for 3-5 years, then variable) is a good middle ground. For long-term loans, fixed rate is safer.
Most banks charge prepayment fees (0.5-1.4%) within the first 3 years. After 3 years, it is usually waived. Some banks allow 10-20% annual prepayment without fees.
📌 Key Takeaways
- 💰A 0.5% rate reduction saves tens of thousands over 30 years
- 📉Fixed principal saves 10-15% on total interest vs fixed payment
- 📋Check LTV and DSR regulations before applying
- ⏰Prepayment penalties often waived after 3 years
What is a Mortgage?
A mortgage is a loan secured by real estate property. Typically, you can borrow 40-70% of the property value, and monthly payments vary significantly based on interest rates and repayment methods.
Repayment Method Comparison
| Type | Fixed Payment | Fixed Principal |
|---|---|---|
| Monthly Payment | Same every month | Starts high, decreases |
| Total Interest | Relatively more | Relatively less |
| Advantages | Predictable payments | Save on total interest |
Interest Rate Types
- Fixed Rate: Interest rate stays the same throughout the loan
- Variable Rate: Changes with market rates (usually 6 months to 1 year)
- Mixed Rate: Fixed for initial years, then variable
Things to Check When Borrowing
- LTV (Loan-to-Value): Maximum loan amount vs property value
- DTI (Debt-to-Income): Debt repayment ability vs income
- DSR (Debt Service Ratio): All loan payments vs income
- Prepayment penalty: Fees for early repayment
📚 国別の計算ガイド
計算ロジック
金融・ローン・比率・単位変換の公開標準を使用します。
参照範囲
公開された基準と各国で一般的な運用慣行を参照します。
前提条件
税率・手数料・上限は地域や金融機関で異なります。
結果の読み方
結果は基準シナリオとして活用してください。最終判断前に金融機関見積と税務条件を比較してください。
ロケール既定値
通貨: JPY
単位: metric
税計算モデル: US payroll estimate
法規上の注意
本ツールは国別プリセットによる概算です。実際の契約条件や法的上限は金融機関・地域法令により異なる場合があります。
推奨アクション
- 申込前に最低2〜3社の条件を比較してください。
- 手数料・税務・繰上返済条項を書面で再確認してください。
- 金利+1〜2%と収入減少のストレスケースも確認してください。
実際の契約前に、必ず現地機関の最新条件を確認してください。