Hypothekenrechner & Baufinanzierung

Finanzen

Berechnen Sie Ihre monatliche Baufinanzierungsrate, Zinskosten und die Gesamtlaufzeit Ihres Darlehens.

15-Year vs 30-Year Mortgage Calculator options

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PURECALCULATOR

Digital Calculation Report

Ref:

Mortgage Calculator Report

Calculate your monthly mortgage payment including principal and interest.

Input Parameters

Parameter	Value
Home Price	400000
Down Payment	80000
Interest Rate	6.5
Loan Term	30

Calculated Results

Metric	Computed Value
Monatliche Rate (Annuität)	$2,022.62
Nettodarlehensbetrag	$320,000.00
Zinskosten insgesamt	$408,142.36
Gesamter Rückzahlungsbetrag	$728,142.36

Formula

Monthly PITI = [P * (r * (1 + r)^n) / ((1 + r)^n - 1)] + (T / 12) + (I / 12) + HOA

Computes the monthly payment by adding the amortized Principal & Interest (P&I) to monthly allocations of Property Tax, Home Insurance, and HOA dues.

Calculation Steps

1. Principal Loan Amount (P)

$320,000

Home Price ($400,000) - Down Payment ($80,000)

The amount you borrow from the lender after subtracting your upfront down payment.

2. Monthly Interest Rate (r)

0.005417

6.5% Annual Rate / 12 Months

Periodic monthly rate used in the compounding amortization formulas.

3. Monthly Principal & Interest (P&I)

$2,023/mo

$320,000 * [0.005417 * (1 + 0.005417)^360] / [(1 + 0.005417)^360 - 1]

The amortized portion of your payment that covers loan balance payoff and lender interest.

4. Monthly Escrows (Taxes & Insurance)

$500/mo

Tax: ($400,000 * 1.2% / 12) + Insurance: ($1,200 / 12)

Taxes and insurance premiums pro-rated to monthly increments for escrow purposes.

5. Total Monthly Payment (PITI)

$2,673/mo

P&I ($2,023) + Tax ($400) + Ins ($100) + HOA ($150)

Your complete monthly out-of-pocket housing cost.

Calculations are provided for educational purposes and should be independently verified for financial, investment, or medical decisions.

Input Parameters

Adjust parameters to instantly compute metrics.

Kaufpreis der Immobilie€

Eigenkapital€

Sollzins (jährlich)%

0 %100 %

Sollzinsbindung / LaufzeitJahre

1 Jahre100 Jahre

Computed Results

Instant

Monatliche Rate (Annuität)

$2,022.62

Computed instantaneously in your browser with verified mathematical precision.

Calculation Breakdown

Nettodarlehensbetrag$320,000.00

Zinskosten insgesamt$408,142.36

Gesamter Rückzahlungsbetrag$728,142.36

Mortgage What-If Scenarios

Compare your monthly payment and interest with interest rate, loan term, and down payment adjustments.

Scenario impact(-1.0% Rate)

-$205.70 /mo(-10.2%)

Current Monthly Payment

$2,022.62

What-if Monthly Payment

$1,816.92

This scenario reduces your monthly payment by $205.70 /mo (-10.2%).

Formula Transparency

Monthly Mortgage Payment (PITI)

Monthly PITI = [P * (r * (1 + r)^n) / ((1 + r)^n - 1)] + (T / 12) + (I / 12) + HOA

Computes the monthly payment by adding the amortized Principal & Interest (P&I) to monthly allocations of Property Tax, Home Insurance, and HOA dues.

Variable Definitions & Glossary

PPrincipal Loan Amount

Home Purchase Price minus Down Payment amount.

rMonthly Interest Rate

Annual interest rate divided by 12 (number of months in a year).

nTotal Monthly Payments

Loan amortization term in years multiplied by 12.

TAnnual Property Tax

Annual tax imposed by municipality, typically calculated as a percentage of home value.

IAnnual Home Insurance

Annual hazard/hazard premium premium paid to protect the asset.

HOAMonthly HOA Dues

Monthly fees assessed by the homeowners association, if applicable.

Step-by-step educational solution

Principal Loan Amount (P)

$320,000

Home Price ($400,000) - Down Payment ($80,000)

The amount you borrow from the lender after subtracting your upfront down payment.

Monthly Interest Rate (r)

0.005417

6.5% Annual Rate / 12 Months

Periodic monthly rate used in the compounding amortization formulas.

Monthly Principal & Interest (P&I)

$2,023/mo

$320,000 * [0.005417 * (1 + 0.005417)^360] / [(1 + 0.005417)^360 - 1]

The amortized portion of your payment that covers loan balance payoff and lender interest.

Monthly Escrows (Taxes & Insurance)

$500/mo

Tax: ($400,000 * 1.2% / 12) + Insurance: ($1,200 / 12)

Taxes and insurance premiums pro-rated to monthly increments for escrow purposes.

Total Monthly Payment (PITI)

$2,673/mo

P&I ($2,023) + Tax ($400) + Ins ($100) + HOA ($150)

Your complete monthly out-of-pocket housing cost.

How to Think About This Calculation

Understand the true cost of homeownership with a complete breakdown of principal, interest, taxes, and insurance.

Core methodology

1.First, determine the principal loan amount by subtracting the down payment from the property purchase price.
2.Calculate the base monthly Principal and Interest payment using standard compounding amortization math.
3.Pro-rate annual property taxes and homeowners insurance premiums to add a monthly escrow allocation.
4.Incorporate HOA fees to calculate the absolute monthly shelter expense.

Professional tips

Aim for a 20% down payment to automatically waive Private Mortgage Insurance (PMI) charges.
Your total monthly housing expenses (PITI) should ideally remain below 28% of your gross monthly household income (the 28/36 rule).

Common pitfalls

Forgetting to factor in property tax assessments, which can change when a home is sold.
Overlooking ongoing homeowners association (HOA) dues and seasonal maintenance costs.

Dieser Rechner nutzt die mathematische Standard-Annuitätenrechnung. Kaufnebenkosten (Grunderwerbsteuer, Notar, Grundbuch) variieren je nach Bundesland und sind zusätzlich einzukalkulieren.

Frequently asked questions

Common Questions about Mortgage

Was bedeutet Annuität bei einer Baufinanzierung?

Die Annuität ist die gleichbleibende monatliche Rate an die Bank, bestehend aus einem Zinsanteil und einem Tilgungsanteil. Mit jeder Zahlung sinkt die Restschuld und der Zinsanteil, während der Tilgungsanteil steigt.

Wie viel Eigenkapital sollte man mitbringen?

Empfohlen werden mindestens die Kaufnebenkosten plus 10% bis 20% des Kaufpreises als Eigenkapital, um optimale Konditionen zu sichern.

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Learning hub

Educational Guides & Related Articles

Read our expert-reviewed articles to learn more about the concepts, formulas, and practical advice related to Mortgage.

Financial Modeling

How Amortization Shifts Interest vs Principal Across a 30-Year Mortgage

Understand why early monthly mortgage payments go mostly toward interest—and how even small extra principal payments cut years off your loan.

Read guide

Hypothekenrechner & Baufinanzierung

15-Year vs 30-Year Mortgage Calculator options

Mortgage Calculator Report

Input Parameters

Calculated Results

Formula

Calculation Steps

1. Principal Loan Amount (P)

2. Monthly Interest Rate (r)

3. Monthly Principal & Interest (P&I)

4. Monthly Escrows (Taxes & Insurance)

5. Total Monthly Payment (PITI)

Input Parameters

Computed Results

Calculation Breakdown

Mortgage What-If Scenarios

Formula Transparency

Monthly Mortgage Payment (PITI)

Variable Definitions & Glossary

Step-by-step educational solution

Principal Loan Amount (P)

Monthly Interest Rate (r)

Monthly Principal & Interest (P&I)

Monthly Escrows (Taxes & Insurance)

Total Monthly Payment (PITI)

How to Think About This Calculation

Core methodology

Professional tips

Common pitfalls

Common Questions about Mortgage

Related Calculators

Refinance Calculator

Loan Calculator

Auto Loan Calculator

Educational Guides & Related Articles

How Amortization Shifts Interest vs Principal Across a 30-Year Mortgage

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