Calculadora de amortizações extraordinárias

Original Loan Amount ! The original amount of your mortgage. $ Original Loan Term ! The original term of your mortgage in years. ano Interest Rate ! Enter the nominal annual interest rate for the mortgage you want to model. Use the starting rate shown in your loan offer or the rate you want to test in a scenario, not the APR unless that is the only figure available. If the product changes later, enter the current or expected starting rate used for this calculation. % Remaining Loan Term ! Remaining term of your current mortgage.

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Payment Frequency ! Choose how often you make scheduled mortgage payments, such as monthly, biweekly, or weekly. This setting affects the payment amount and can slightly affect interest over time. Monthly Biweekly Weekly

Monthly Extra Payment ! Use this field to add an extra amount toward principal with each regular monthly payment. It applies when you want to reduce interest costs and pay off the mortgage faster without changing the base loan terms. Enter only the recurring extra payment you realistically expect to make every month, and leave one-time or annual lump sums in their own fields so the strategy is counted correctly. $ Annual Extra Payment ! Use this field for a recurring extra principal payment you expect to make once each year. It is useful when you want to model a repeatable annual prepayment strategy, such as using a bonus or year-end savings to reduce balance and interest. Enter only the amount you expect to apply each year, not a one-time windfall. $ One-Time Extra Payment ! Use this field for a one-time extra principal payment you plan to make outside the normal monthly schedule. It is helpful when you want to model the impact of a single lump-sum reduction on interest cost and payoff timing. Enter only the one-time amount for this event. $ Payment Date ! Enter the date when you expect to make the one-time extra payment. This helps the calculator place the lump-sum reduction at the correct point in the payoff schedule. Use the expected payment date rather than the date you started planning the scenario.