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%)
📚 各地区计算规则说明
计算逻辑
采用公开的金融、贷款、比率与单位换算标准公式。
参考范围
参考公开标准与各地区常见实务规则。
前提条件
税费、费率、上限会因地区和机构而不同。
结果解读
结果可作为基准情景。正式决策前请与当地机构报价和税务规则对比。
地区默认值
货币: CNY
单位: metric
税务模型: US payroll estimate
法规提示
本工具基于地区预设进行估算。实际合同条款与法定上限可能因机构和当地法规而不同。
建议操作
- 正式申请前请至少比较 2~3 家本地机构方案。
- 再次核对费用、税务处理和提前还款条款。
- 用利率 +1~2% 与收入下降场景再测一次。
做真实决策前，请先确认当地机构的最新条款。