Name: 如何計算按揭付款 (How to Calculate a Mortgage Payment)
Uploaded: 2021-01-14T09:19:35.000Z
Duration: 5 min 19 s
Description: 【看影片學英語】數萬部 YouTube 影片，搭配英漢字典即點即查，輕鬆掌握單字發音與用法，長久累積看電影不必再看字幕。

基礎數量詞

That's how much money you're borrowing rights of your borrowing, $120,000 that your principal and you're gonna multiply it by this fraction right here.

So in the numerator and the top of this fraction, we've got our friend.

未來簡單式

So this are it's actually gonna show up several times.

This are is actually the interest rate that you're paying.

So we take our we check the interest rate divide by 12.

Think that are we multiply it by one plus R to the n wth power. 00:00:54.660 --> 00:01:3.440  That end is an exponents right now that and also represents something that is the number of payments that you're going to be making. 00:01:3.450 --> 00:01:7.620  So, for a 30 year loan, there's 12 months in a year. 00:01:7.620 --> 00:01:15.020  And if you make a payment every year, they're gonna They're gonna have 30 years times 12 right?

That's gonna tell you how many payments you have two makes.

If you were doing a 30 year loan, write if you're doing a 15 year loan to be 30 or excuse me 15 times 12 would be 100 and 80 and then a denominator just have that one plus R to the end power, and then we subtract one.

So if we follow this this formula here, that's going to yield our monthly mortgage payment, right?

And now, when I'm were not kind of simplify things, we're not gonna think about property taxes.

There are things that might be lumped in with the mortgage payment. 00:01:53.880 --> 00:02:1.640  We're just gonna think about repaying the principal in the interest for right now just so you can get a feel for how that you'll go about calculating this for a mortgage. 00:02:2.020 --> 00:02:17.950  So let's say that you borrow $100,000 at 6.5% a PR right to be repaid over 30 years, So you've got a 30 year mortgage right now, we want to say what would be the monthly payment.

We want to calculate the monthly payment.

So we know how much to pay the lender each month.

So our monthly payment may just change color.

So our monthly payment gonna be equal to our principal.

And now we're gonna multiply that by this fraction above right.

We'll try and keep the same colors, so we're gonna have 0.65 divided by 12. 00:02:58.030 --> 00:03:6.160  That's our our If you remember, our interest rate divided by 12 Now, this number, we can just put it. 00:03:6.160 --> 00:03:8.750  I'm just gonna put it in here so you can see it and so forth. 00:03:8.950 --> 00:03:10.520  But really want No, it comes out.

0.5 417 That's rounded, but I'm just gonna leave it in here like this, right?

So you can see, Then we add or excuse me, multiply by one plus are which is 0.65 over 12.

Since it's a 30 year mortgage, there's going to be we're gonna have 30 times 12 360 payments.

All right, so this is gonna be to the 360 ifthe power.

Okay, Now, in our denominator, the bottom part of our fraction change colors. 00:03:53.150 --> 00:04:6.250  Here again, we're gonna have one plus point hope 0.65 divided by 12 to the 360. 00:04:6.250 --> 00:04:8.350  Ifthe power, that's that and again. 00:04:9.140 --> 00:04:11.930  And then we're going to subtract one, right?

Or if you have a graphing calculator, you'll be able to put it in, and you just take the 100,000 and then you multiply it by this big fraction right here.

Believe we're gonna have a monthly payment of $632.

That's gonna be our monthly mortgage payment.

You're paying this in a monthly basis, but there might be other things. 00:04:53.640 --> 00:05:1.030  Write such as property tax, homeowner's insurance that the lender decides. 00:05:1.030 --> 00:05:1.340  You know what? 00:05:1.340 --> 00:05:6.400  We're gonna put that we're gonna put it, that in this part of the loan that's part of your mortgage payment. 00:05:6.400 --> 00:05:7.290  We're not getting into that. 00:05:7.290 --> 00:05:14.110  Here were just talking about repaying this principle along with this 6.5% interest over a 30 year term.

 And to do that, you'd pay $632 a month for 30 years. 