How to Count 供款???

2007-11-03 7:23 am

假設按揭還款期20年、按揭年息為P（以匯豐最優惠利率為例）減2.95厘，減息後實質按息由4.55厘減至4.3厘，每100萬元按揭借款，每月供款由6354元減至6219元，每月節省135元。根據9月的減息經驗，若拆息走強，銀行可能調高新做按揭實質息率。

how to count "$6345" and "$6219"???

回答 (1)

Amy

2007-11-03 6:56 pm

✔ 最佳答案

The calculation of 供款 is very complicated. Mortgage interest is based on the principal, which only adjusted 6 months. For example, with 100萬, the first 6 months, the interest is based on 100萬. After 6 months, the principal payment in that 6 months will adjust the principal amount.

An equation would be...
... (1000000*(((4.55%/2)*((1+(4.55%/2))^40))/(((1+(4.55%/2))^40)-1)))/6 = $6,390 per month.

For 4.3%, then... (1000000*(((4.3%/2)*((1+(4.3%/2))^40))/(((1+(4.3%/2))^40)-1)))/6 = $6254 per month.

The difference is around $135.

An easier way is just to use online mortgage calculator, which can be found in http://www.hsbc.com.hk/1/2/hk/mortgages/planner/cost.

參考: http://www.hsbc.com.hk/1/2/hk/mortgages/planner/cost & http://en.wikipedia.org/wiki/Time_value_of_money#Annuity_derivation

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