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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Chia sẻ kết quả và so sánh với bạn bè
#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
Ai nên dùng công cụ này?
Xem nhanh nhóm người dùng và bối cảnh phù hợp nhất.
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.
Ví dụ tính toán
Số liệu mẫu giúp bạn quyết định nhanh hơn.
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.
So sánh tình huống tương tự
X vs Y, khả năng chi trả và thời điểm phù hợp.
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
Câu hỏi thường gặp
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
📚 Hướng dẫn tính theo khu vực
Logic công thức
Áp dụng công thức công khai cho tài chính, khoản vay, tỷ lệ và quy đổi đơn vị.
Nguồn tham chiếu
Tham chiếu tiêu chuẩn công khai và thông lệ phổ biến theo quốc gia.
Giả định
Thuế, phí, lãi suất và giới hạn thay đổi theo khu vực/tổ chức.
Result Interpretation
Dùng kết quả như kịch bản chuẩn. Trước khi quyết định, đối chiếu báo giá thật và quy định thuế địa phương.
Thiết lập mặc định
Tiền tệ: VND
Đơn vị: metric
Mô hình thuế: US payroll estimate
Lưu ý pháp lý
Công cụ dùng preset theo khu vực để ước tính. Điều khoản thực tế và giới hạn pháp lý có thể khác theo tổ chức/địa phương.
Hành động đề xuất
- So sánh ít nhất 2-3 đơn vị địa phương trước khi chốt.
- Kiểm tra lại phí, thuế và điều khoản trả trước bằng văn bản.
- Chạy thêm kịch bản lãi suất +1-2% và thu nhập giảm.
Trước khi quyết định thực tế, hãy xác nhận điều kiện mới nhất tại địa phương.