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Mortgage calculator — payment, down paymentTable of contents
Loan instalments come in two main types: fixed (annuity) and decreasing. Below is a clear explanation, what affects the instalment size and why a lower instalment is not always a cheaper loan.
The instalment amount is stable. Early payments are mostly interest, later more principal.
The principal part is constant, interest decreases over time. Instalments gradually fall, but the first months are higher.
Not just the interest rate. It also depends on the margin, loan term, fees and insurance. Two loans with the same amount can have different instalments due to different conditions.
Lower instalment does not always mean cheaper. A longer term increases total interest paid. Compare total cost, not only the monthly instalment.
If you compare renting with borrowing, use the instalment vs rent calculator. Remember: instalments build equity, rent does not.
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