樓息應該點計?

就咁計，必定難計到飞起，因為每月還款當中，本金及利息每月刀不同！只可計每月供款幾多咋！

在初期，還很多利息，利息的數目逐月減少！

for 5% over 20yr












Period
Year
Month
Regular Payment
Interest
Repayment of Principle
Outstanding Balance







1853640.00

1
1
1
12233.20
7723.50
4509.70
1849130.30

2
1
2
12233.20
7704.71
4528.49
1844601.80



119
10
11
12233.20
4867.19
7366.01
1160759.66

120
10
12
12233.20
4836.50
7396.70
1153362.95

121
11
1
12233.20
4805.68
7427.52
1145935.43

122
11
2
12233.20
4774.73
7458.47
1138476.95



238
20
10
12233.20
151.65
12081.55
24314.34

239
20
11
12233.20
101.31
12131.89
12182.44

240
20
12
12233.20
50.76
12182.44
0.00

S
2935968.86
1082328.86


for 5% over first 10yr and 7% thereafter












Period
Year
Month
Regular Payment
Interest
Repayment of Principle
Outstanding Balance







1853640.00

1
1
1
12233.20
7723.50
4509.70
1849130.30

2
1
2
12233.20
7704.71
4528.49
1844601.80



119
10
11
12233.20
4867.19
7366.01
1160759.66

120
10
12
12233.20
4836.50
7396.70
1153362.95

121
11
1
13391.52
6727.95
6663.57
1146699.38

122
11
2
13391.52
6689.08
6702.44
1139996.94



238
20
10
13391.52
231.64
13159.88
26550.50

239
20
11
13391.52
154.88
13236.64
13313.86

240
20
12
13391.52
77.66
13313.86
0.00

S
3074967.05
1221327.05



2010-06-01 14:30:07 補充：
Premises Price = HK$2,000,000.00
10% Downpayment = HK$200,000.00
HKMC Insurance Premium (2.98%) = (HK$2,000,000.00 – HK$200,000.00) x 2.98% = HK$53,640.00
Total Mortgage Loan = (HK$2,000,000.00 – HK$200,000.00) + HK$53,640.00 = HK$1,853,640.00

2010-06-01 14:30:10 補充：
Nominal Interest Rate = 5%
Effective Monthly Interest Rate = 5% / 12 = 0.417%
Loan Tenor = 20 yrs = 240 months
Monthly Repayment = HK$1,853,640 {[1 – (1 + 0.417%)^-240] / 0.417%} = HK$12,233.20

2010-06-01 14:38:41 補充：
Outstanding Balance after 10yrs Payment = HK$1,153,362.95
Nominal Interest Rate = 7%
Effective Monthly Interest Rate = 7% / 12 = 0.583%
Remaining Loan Tenor = 10 yrs = 120 months
Monthly Repayment = HK$1,153,360.95 {[1 – (1 + 0.583%)-120] / 0.583%} = HK$13,391.52

2010-06-01 14:39:06 補充：
http://www.yousendit.com/transfer.php?action=check_download&ufid=OHo3eEVmcGtCSnF4dnc9PQ&key=238f46407253158a43b6f4166381fd1abc4f7472&bid=dXFVNHB3T01LVlZjR0E9PQ

2010-06-02 13:55:10 補充：
Regular Payment can be calculated based on the equations above;
Interest Payment at period X = Outstanding Balance at Period (X - 1) * effective monthly interest rate
Repayment of Principle at period X = Regular Payment - Interest Payment at period X

2010-06-02 13:55:24 補充：
Outstanding Balance at period X = Outstanding Balance at Period (X - 1) - Repayment of Principle at Period X

You could use excel to work out the table easily.