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Plan your home with confidence
Mortgage Calculator
Compare monthly payments, total interest, and prepayment savings instantly.
Loan details
Your results update as you change the inputs.
Calculation method
Paying extra principal can shorten the loan and reduce interest.
For planning only. Your bank’s approved terms are the final terms.
Results at a glance
Principal and cumulative-interest trend
Orange: outstanding principal · Green: cumulative interest. Both axes use TWD 10k.
Repayment schedule
Review principal, interest, and your outstanding balance.
| Period | Payment | Principal | Interest | Extra payment | Balance |
|---|
A quick planning reminder
Check whether your lender charges a prepayment penalty before making extra payments.
Calculated on your device
Your inputs are processed only in this browser and are not sent to a server.
Xinqingan 3.0, mortgage monthly payment and early repayment, understand it at once
This mortgage calculator can be used to compare Xinqingan 3.0 or general bank mortgage conditions. After entering the total price of the house, loan factor, annual interest rate, years and grace period, you can get the monthly payment, total interest and complete amortization schedule.
How to calculate the average amortization of principal and interest?
Take "loan principal × monthly interest rate × (1 + monthly interest rate)
Who is suitable for principal amortization?
A fixed principal is repaid each period, and interest is calculated based on the remaining principal. Therefore, the monthly payment is higher in the early stage and decreases month by month thereafter. You can use this page to switch repayment methods and directly compare cash flow and total interest.
Why do you need to calculate early repayment?
The additional principal payment usually shortens the period and reduces subsequent interest. This tool will list the interest savings and balance of each period; please confirm the binding, liquidated damages and bank regulations before actual execution.
Frequently Asked Questions about Mortgage Trial Calculation
What are the benefits of this version of the mortgage calculator?
No need to log in or upload data; compare loan percentage and self-prepared funds, three repayment methods, grace period and regular early repayment on the same page, and download CSV amortization details.
Can the number of Xinqingan 3.0 be filled in directly?
Yes, but please fill in the actual number informed or approved by the bank. This tool only performs mathematical calculations and does not represent loan approval, subsidy qualifications or final interest rates.
Why might the monthly payment increase after the grace period?
Usually only interest is paid during the grace period, and the principal has not yet begun to be amortized; the remaining principal needs to be repaid within a shorter period of time, so the monthly payment may increase after the grace period ends.