Hypotheekcalculator

Hypotheekdetails

Hypotheekoverzicht

Leningsbedrag:$240,000
Maandelijkse Hoofdsom & Rente:$1,517
Maandelijkse Onroerendgoedbelasting:$250
Maandelijkse Verzekering:$100
Totale Maandelijkse Betaling:$1,867
Totale Leningskosten:$732,107
Totale rente:$306,107

Maandelijkse Betalingsspecificatie

Balansvoortgang

Aflossingsschema

BetalingsnummerDatumBetalingHoofdsomRenteBelastingen & VerzekeringSaldo
12025-05-09$1,867$217$1,300$350$239,783
22025-06-09$1,867$218$1,299$350$239,565
32025-07-09$1,867$219$1,298$350$239,346
42025-08-09$1,867$221$1,296$350$239,125
52025-09-09$1,867$222$1,295$350$238,903
62025-10-09$1,867$223$1,294$350$238,680
72025-11-09$1,867$224$1,293$350$238,456
82025-12-09$1,867$225$1,292$350$238,231
92026-01-09$1,867$227$1,290$350$238,004
102026-02-09$1,867$228$1,289$350$237,777
112026-03-09$1,867$229$1,288$350$237,548
122026-04-09$1,867$230$1,287$350$237,317
132026-05-09$1,867$231$1,285$350$237,086
142026-06-09$1,867$233$1,284$350$236,853
152026-07-09$1,867$234$1,283$350$236,619
162026-08-09$1,867$235$1,282$350$236,384
172026-09-09$1,867$237$1,280$350$236,147
182026-10-09$1,867$238$1,279$350$235,910
192026-11-09$1,867$239$1,278$350$235,670
202026-12-09$1,867$240$1,277$350$235,430
212027-01-09$1,867$242$1,275$350$235,188
222027-02-09$1,867$243$1,274$350$234,945
232027-03-09$1,867$244$1,273$350$234,701
242027-04-09$1,867$246$1,271$350$234,455
252027-05-09$1,867$247$1,270$350$234,208
262027-06-09$1,867$248$1,269$350$233,960
272027-07-09$1,867$250$1,267$350$233,710
282027-08-09$1,867$251$1,266$350$233,459
292027-09-09$1,867$252$1,265$350$233,207
302027-10-09$1,867$254$1,263$350$232,953
312027-11-09$1,867$255$1,262$350$232,698
322027-12-09$1,867$257$1,260$350$232,441
332028-01-09$1,867$258$1,259$350$232,184
342028-02-09$1,867$259$1,258$350$231,924
352028-03-09$1,867$261$1,256$350$231,663
362028-04-09$1,867$262$1,255$350$231,401
372028-05-09$1,867$264$1,253$350$231,138
382028-06-09$1,867$265$1,252$350$230,873
392028-07-09$1,867$266$1,251$350$230,606
402028-08-09$1,867$268$1,249$350$230,339
412028-09-09$1,867$269$1,248$350$230,069
422028-10-09$1,867$271$1,246$350$229,799
432028-11-09$1,867$272$1,245$350$229,526
442028-12-09$1,867$274$1,243$350$229,253
452029-01-09$1,867$275$1,242$350$228,977
462029-02-09$1,867$277$1,240$350$228,701
472029-03-09$1,867$278$1,239$350$228,423
482029-04-09$1,867$280$1,237$350$228,143
492029-05-09$1,867$281$1,236$350$227,862
502029-06-09$1,867$283$1,234$350$227,579
512029-07-09$1,867$284$1,233$350$227,295
522029-08-09$1,867$286$1,231$350$227,009
532029-09-09$1,867$287$1,230$350$226,722
542029-10-09$1,867$289$1,228$350$226,433
552029-11-09$1,867$290$1,227$350$226,142
562029-12-09$1,867$292$1,225$350$225,850
572030-01-09$1,867$294$1,223$350$225,557
582030-02-09$1,867$295$1,222$350$225,262
592030-03-09$1,867$297$1,220$350$224,965
602030-04-09$1,867$298$1,219$350$224,666
612030-05-09$1,867$300$1,217$350$224,366
622030-06-09$1,867$302$1,215$350$224,065
632030-07-09$1,867$303$1,214$350$223,761
642030-08-09$1,867$305$1,212$350$223,456
652030-09-09$1,867$307$1,210$350$223,150
662030-10-09$1,867$308$1,209$350$222,842
672030-11-09$1,867$310$1,207$350$222,532
682030-12-09$1,867$312$1,205$350$222,220
692031-01-09$1,867$313$1,204$350$221,907
702031-02-09$1,867$315$1,202$350$221,592
712031-03-09$1,867$317$1,200$350$221,275
722031-04-09$1,867$318$1,199$350$220,957
732031-05-09$1,867$320$1,197$350$220,637
742031-06-09$1,867$322$1,195$350$220,315
752031-07-09$1,867$324$1,193$350$219,991
762031-08-09$1,867$325$1,192$350$219,666
772031-09-09$1,867$327$1,190$350$219,339
782031-10-09$1,867$329$1,188$350$219,010
792031-11-09$1,867$331$1,186$350$218,679
802031-12-09$1,867$332$1,185$350$218,347
812032-01-09$1,867$334$1,183$350$218,013
822032-02-09$1,867$336$1,181$350$217,677
832032-03-09$1,867$338$1,179$350$217,339
842032-04-09$1,867$340$1,177$350$216,999
852032-05-09$1,867$342$1,175$350$216,657
862032-06-09$1,867$343$1,174$350$216,314
872032-07-09$1,867$345$1,172$350$215,969
882032-08-09$1,867$347$1,170$350$215,622
892032-09-09$1,867$349$1,168$350$215,273
902032-10-09$1,867$351$1,166$350$214,922
912032-11-09$1,867$353$1,164$350$214,569
922032-12-09$1,867$355$1,162$350$214,214
932033-01-09$1,867$357$1,160$350$213,858
942033-02-09$1,867$359$1,158$350$213,499
952033-03-09$1,867$361$1,156$350$213,138
962033-04-09$1,867$362$1,155$350$212,776
972033-05-09$1,867$364$1,153$350$212,412
982033-06-09$1,867$366$1,151$350$212,045
992033-07-09$1,867$368$1,149$350$211,677
1002033-08-09$1,867$370$1,147$350$211,306
1012033-09-09$1,867$372$1,145$350$210,934
1022033-10-09$1,867$374$1,143$350$210,560
1032033-11-09$1,867$376$1,141$350$210,183
1042033-12-09$1,867$378$1,138$350$209,805
1052034-01-09$1,867$381$1,136$350$209,424
1062034-02-09$1,867$383$1,134$350$209,042
1072034-03-09$1,867$385$1,132$350$208,657
1082034-04-09$1,867$387$1,130$350$208,270
1092034-05-09$1,867$389$1,128$350$207,881
1102034-06-09$1,867$391$1,126$350$207,490
1112034-07-09$1,867$393$1,124$350$207,097
1122034-08-09$1,867$395$1,122$350$206,702
1132034-09-09$1,867$397$1,120$350$206,305
1142034-10-09$1,867$399$1,117$350$205,905
1152034-11-09$1,867$402$1,115$350$205,504
1162034-12-09$1,867$404$1,113$350$205,100
1172035-01-09$1,867$406$1,111$350$204,694
1182035-02-09$1,867$408$1,109$350$204,286
1192035-03-09$1,867$410$1,107$350$203,875
1202035-04-09$1,867$413$1,104$350$203,463
1212035-05-09$1,867$415$1,102$350$203,048
1222035-06-09$1,867$417$1,100$350$202,631
1232035-07-09$1,867$419$1,098$350$202,211
1242035-08-09$1,867$422$1,095$350$201,790
1252035-09-09$1,867$424$1,093$350$201,366
1262035-10-09$1,867$426$1,091$350$200,940
1272035-11-09$1,867$429$1,088$350$200,511
1282035-12-09$1,867$431$1,086$350$200,080
1292036-01-09$1,867$433$1,084$350$199,647
1302036-02-09$1,867$436$1,081$350$199,211
1312036-03-09$1,867$438$1,079$350$198,773
1322036-04-09$1,867$440$1,077$350$198,333
1332036-05-09$1,867$443$1,074$350$197,891
1342036-06-09$1,867$445$1,072$350$197,445
1352036-07-09$1,867$447$1,069$350$196,998
1362036-08-09$1,867$450$1,067$350$196,548
1372036-09-09$1,867$452$1,065$350$196,096
1382036-10-09$1,867$455$1,062$350$195,641
1392036-11-09$1,867$457$1,060$350$195,184
1402036-12-09$1,867$460$1,057$350$194,724
1412037-01-09$1,867$462$1,055$350$194,262
1422037-02-09$1,867$465$1,052$350$193,797
1432037-03-09$1,867$467$1,050$350$193,330
1442037-04-09$1,867$470$1,047$350$192,860
1452037-05-09$1,867$472$1,045$350$192,388
1462037-06-09$1,867$475$1,042$350$191,913
1472037-07-09$1,867$477$1,040$350$191,436
1482037-08-09$1,867$480$1,037$350$190,956
1492037-09-09$1,867$483$1,034$350$190,473
1502037-10-09$1,867$485$1,032$350$189,988
1512037-11-09$1,867$488$1,029$350$189,500
1522037-12-09$1,867$491$1,026$350$189,009
1532038-01-09$1,867$493$1,024$350$188,516
1542038-02-09$1,867$496$1,021$350$188,020
1552038-03-09$1,867$499$1,018$350$187,522
1562038-04-09$1,867$501$1,016$350$187,021
1572038-05-09$1,867$504$1,013$350$186,517
1582038-06-09$1,867$507$1,010$350$186,010
1592038-07-09$1,867$509$1,008$350$185,501
1602038-08-09$1,867$512$1,005$350$184,988
1612038-09-09$1,867$515$1,002$350$184,473
1622038-10-09$1,867$518$999$350$183,956
1632038-11-09$1,867$521$996$350$183,435
1642038-12-09$1,867$523$994$350$182,912
1652039-01-09$1,867$526$991$350$182,386
1662039-02-09$1,867$529$988$350$181,857
1672039-03-09$1,867$532$985$350$181,325
1682039-04-09$1,867$535$982$350$180,790
1692039-05-09$1,867$538$979$350$180,252
1702039-06-09$1,867$541$976$350$179,712
1712039-07-09$1,867$544$973$350$179,168
1722039-08-09$1,867$546$970$350$178,622
1732039-09-09$1,867$549$968$350$178,072
1742039-10-09$1,867$552$965$350$177,520
1752039-11-09$1,867$555$962$350$176,964
1762039-12-09$1,867$558$959$350$176,406
1772040-01-09$1,867$561$956$350$175,845
1782040-02-09$1,867$564$952$350$175,280
1792040-03-09$1,867$568$949$350$174,713
1802040-04-09$1,867$571$946$350$174,142
1812040-05-09$1,867$574$943$350$173,568
1822040-06-09$1,867$577$940$350$172,991
1832040-07-09$1,867$580$937$350$172,412
1842040-08-09$1,867$583$934$350$171,828
1852040-09-09$1,867$586$931$350$171,242
1862040-10-09$1,867$589$928$350$170,653
1872040-11-09$1,867$593$924$350$170,060
1882040-12-09$1,867$596$921$350$169,464
1892041-01-09$1,867$599$918$350$168,865
1902041-02-09$1,867$602$915$350$168,263
1912041-03-09$1,867$606$911$350$167,658
1922041-04-09$1,867$609$908$350$167,049
1932041-05-09$1,867$612$905$350$166,437
1942041-06-09$1,867$615$902$350$165,821
1952041-07-09$1,867$619$898$350$165,202
1962041-08-09$1,867$622$895$350$164,580
1972041-09-09$1,867$625$891$350$163,955
1982041-10-09$1,867$629$888$350$163,326
1992041-11-09$1,867$632$885$350$162,694
2002041-12-09$1,867$636$881$350$162,058
2012042-01-09$1,867$639$878$350$161,419
2022042-02-09$1,867$643$874$350$160,776
2032042-03-09$1,867$646$871$350$160,130
2042042-04-09$1,867$650$867$350$159,481
2052042-05-09$1,867$653$864$350$158,827
2062042-06-09$1,867$657$860$350$158,171
2072042-07-09$1,867$660$857$350$157,511
2082042-08-09$1,867$664$853$350$156,847
2092042-09-09$1,867$667$850$350$156,179
2102042-10-09$1,867$671$846$350$155,508
2112042-11-09$1,867$675$842$350$154,834
2122042-12-09$1,867$678$839$350$154,156
2132043-01-09$1,867$682$835$350$153,474
2142043-02-09$1,867$686$831$350$152,788
2152043-03-09$1,867$689$828$350$152,099
2162043-04-09$1,867$693$824$350$151,405
2172043-05-09$1,867$697$820$350$150,709
2182043-06-09$1,867$701$816$350$150,008
2192043-07-09$1,867$704$813$350$149,304
2202043-08-09$1,867$708$809$350$148,595
2212043-09-09$1,867$712$805$350$147,883
2222043-10-09$1,867$716$801$350$147,167
2232043-11-09$1,867$720$797$350$146,448
2242043-12-09$1,867$724$793$350$145,724
2252044-01-09$1,867$728$789$350$144,996
2262044-02-09$1,867$732$785$350$144,265
2272044-03-09$1,867$736$781$350$143,529
2282044-04-09$1,867$740$777$350$142,790
2292044-05-09$1,867$744$773$350$142,046
2302044-06-09$1,867$748$769$350$141,299
2312044-07-09$1,867$752$765$350$140,547
2322044-08-09$1,867$756$761$350$139,791
2332044-09-09$1,867$760$757$350$139,031
2342044-10-09$1,867$764$753$350$138,268
2352044-11-09$1,867$768$749$350$137,500
2362044-12-09$1,867$772$745$350$136,727
2372045-01-09$1,867$776$741$350$135,951
2382045-02-09$1,867$781$736$350$135,171
2392045-03-09$1,867$785$732$350$134,386
2402045-04-09$1,867$789$728$350$133,597
2412045-05-09$1,867$793$724$350$132,803
2422045-06-09$1,867$798$719$350$132,006
2432045-07-09$1,867$802$715$350$131,204
2442045-08-09$1,867$806$711$350$130,398
2452045-09-09$1,867$811$706$350$129,587
2462045-10-09$1,867$815$702$350$128,772
2472045-11-09$1,867$819$698$350$127,952
2482045-12-09$1,867$824$693$350$127,129
2492046-01-09$1,867$828$689$350$126,300
2502046-02-09$1,867$833$684$350$125,467
2512046-03-09$1,867$837$680$350$124,630
2522046-04-09$1,867$842$675$350$123,788
2532046-05-09$1,867$846$671$350$122,942
2542046-06-09$1,867$851$666$350$122,091
2552046-07-09$1,867$856$661$350$121,235
2562046-08-09$1,867$860$657$350$120,375
2572046-09-09$1,867$865$652$350$119,510
2582046-10-09$1,867$870$647$350$118,640
2592046-11-09$1,867$874$643$350$117,766
2602046-12-09$1,867$879$638$350$116,887
2612047-01-09$1,867$884$633$350$116,003
2622047-02-09$1,867$889$628$350$115,114
2632047-03-09$1,867$893$624$350$114,221
2642047-04-09$1,867$898$619$350$113,323
2652047-05-09$1,867$903$614$350$112,420
2662047-06-09$1,867$908$609$350$111,511
2672047-07-09$1,867$913$604$350$110,599
2682047-08-09$1,867$918$599$350$109,681
2692047-09-09$1,867$923$594$350$108,758
2702047-10-09$1,867$928$589$350$107,830
2712047-11-09$1,867$933$584$350$106,897
2722047-12-09$1,867$938$579$350$105,959
2732048-01-09$1,867$943$574$350$105,016
2742048-02-09$1,867$948$569$350$104,068
2752048-03-09$1,867$953$564$350$103,115
2762048-04-09$1,867$958$559$350$102,156
2772048-05-09$1,867$964$553$350$101,193
2782048-06-09$1,867$969$548$350$100,224
2792048-07-09$1,867$974$543$350$99,250
2802048-08-09$1,867$979$538$350$98,270
2812048-09-09$1,867$985$532$350$97,286
2822048-10-09$1,867$990$527$350$96,296
2832048-11-09$1,867$995$522$350$95,300
2842048-12-09$1,867$1,001$516$350$94,300
2852049-01-09$1,867$1,006$511$350$93,293
2862049-02-09$1,867$1,012$505$350$92,282
2872049-03-09$1,867$1,017$500$350$91,265
2882049-04-09$1,867$1,023$494$350$90,242
2892049-05-09$1,867$1,028$489$350$89,214
2902049-06-09$1,867$1,034$483$350$88,180
2912049-07-09$1,867$1,039$478$350$87,141
2922049-08-09$1,867$1,045$472$350$86,096
2932049-09-09$1,867$1,051$466$350$85,045
2942049-10-09$1,867$1,056$461$350$83,989
2952049-11-09$1,867$1,062$455$350$82,927
2962049-12-09$1,867$1,068$449$350$81,859
2972050-01-09$1,867$1,074$443$350$80,786
2982050-02-09$1,867$1,079$438$350$79,706
2992050-03-09$1,867$1,085$432$350$78,621
3002050-04-09$1,867$1,091$426$350$77,530
3012050-05-09$1,867$1,097$420$350$76,433
3022050-06-09$1,867$1,103$414$350$75,330
3032050-07-09$1,867$1,109$408$350$74,221
3042050-08-09$1,867$1,115$402$350$73,106
3052050-09-09$1,867$1,121$396$350$71,985
3062050-10-09$1,867$1,127$390$350$70,858
3072050-11-09$1,867$1,133$384$350$69,725
3082050-12-09$1,867$1,139$378$350$68,586
3092051-01-09$1,867$1,145$372$350$67,440
3102051-02-09$1,867$1,152$365$350$66,289
3112051-03-09$1,867$1,158$359$350$65,131
3122051-04-09$1,867$1,164$353$350$63,967
3132051-05-09$1,867$1,170$346$350$62,796
3142051-06-09$1,867$1,177$340$350$61,619
3152051-07-09$1,867$1,183$334$350$60,436
3162051-08-09$1,867$1,190$327$350$59,246
3172051-09-09$1,867$1,196$321$350$58,050
3182051-10-09$1,867$1,203$314$350$56,848
3192051-11-09$1,867$1,209$308$350$55,639
3202051-12-09$1,867$1,216$301$350$54,423
3212052-01-09$1,867$1,222$295$350$53,201
3222052-02-09$1,867$1,229$288$350$51,972
3232052-03-09$1,867$1,235$282$350$50,737
3242052-04-09$1,867$1,242$275$350$49,495
3252052-05-09$1,867$1,249$268$350$48,246
3262052-06-09$1,867$1,256$261$350$46,990
3272052-07-09$1,867$1,262$255$350$45,728
3282052-08-09$1,867$1,269$248$350$44,458
3292052-09-09$1,867$1,276$241$350$43,182
3302052-10-09$1,867$1,283$234$350$41,899
3312052-11-09$1,867$1,290$227$350$40,609
3322052-12-09$1,867$1,297$220$350$39,312
3332053-01-09$1,867$1,304$213$350$38,008
3342053-02-09$1,867$1,311$206$350$36,697
3352053-03-09$1,867$1,318$199$350$35,379
3362053-04-09$1,867$1,325$192$350$34,054
3372053-05-09$1,867$1,333$184$350$32,721
3382053-06-09$1,867$1,340$177$350$31,381
3392053-07-09$1,867$1,347$170$350$30,034
3402053-08-09$1,867$1,354$163$350$28,680
3412053-09-09$1,867$1,362$155$350$27,319
3422053-10-09$1,867$1,369$148$350$25,950
3432053-11-09$1,867$1,376$141$350$24,573
3442053-12-09$1,867$1,384$133$350$23,189
3452054-01-09$1,867$1,391$126$350$21,798
3462054-02-09$1,867$1,399$118$350$20,399
3472054-03-09$1,867$1,406$110$350$18,993
3482054-04-09$1,867$1,414$103$350$17,579
3492054-05-09$1,867$1,422$95$350$16,157
3502054-06-09$1,867$1,429$88$350$14,727
3512054-07-09$1,867$1,437$80$350$13,290
3522054-08-09$1,867$1,445$72$350$11,845
3532054-09-09$1,867$1,453$64$350$10,392
3542054-10-09$1,867$1,461$56$350$8,932
3552054-11-09$1,867$1,469$48$350$7,463
3562054-12-09$1,867$1,477$40$350$5,987
3572055-01-09$1,867$1,485$32$350$4,502
3582055-02-09$1,867$1,493$24$350$3,009
3592055-03-09$1,867$1,501$16$350$1,509
3602055-04-09$1,867$1,509$8$350$0

Hypotheekbetalingen Begrijpen

Een hypotheekbetaling bestaat meestal uit hoofdsom, rente, belastingen en verzekering (PITI). Door deze componenten te begrijpen, kunt u zich goed voorbereiden op het bezit van een woning.

De hoofdsom is het deel van uw hypotheekbetaling dat wordt gebruikt om het saldo van uw lening te verminderen. Aan het begin van uw leningstermijn wordt een kleiner percentage van uw betaling aan de hoofdsom besteed en een groter percentage aan rente. Na verloop van tijd wordt een groter deel van uw betaling gebruikt om de hoofdsom af te lossen, waardoor u eigen vermogen opbouwt in uw woning.

De rente is de vergoeding voor het lenen van geld bij de kredietverstrekker. Dit wordt meestal uitgedrukt als een jaarlijks percentage (APR) en kan variëren op basis van uw kredietscore, het type lening en de marktomstandigheden. Rentetarieven kunnen vast zijn, wat betekent dat ze gedurende de looptijd van de lening hetzelfde blijven, of variabel, wat betekent dat ze kunnen veranderen afhankelijk van de marktomstandigheden. Een lager rentetarief kan u gedurende de looptijd van de lening aanzienlijk besparen. Belastingen zijn onroerendgoedbelastingen die door lokale overheden worden geheven om openbare diensten zoals scholen, wegenonderhoud en noodhulp te financieren. De kosten variëren op basis van de geschatte waarde van uw woning en de lokale belastingtarieven. Kredietverstrekkers voegen onroerendgoedbelasting vaak samen met maandelijkse hypotheekbetalingen en bewaren de fondsen in een escrow-rekening om op tijd te betalen.

Verzekering omvat de woonhuisverzekering en, voor sommigen, particuliere hypotheekverzekering (PMI). Woonhuisverzekering beschermt uw woning tegen brand, natuurrampen, diefstal en andere risico's. PMI is daarentegen alleen nodig voor huizenkopers die minder dan 20% aanbetaling doen en beschermt de kredietverstrekker bij wanbetaling.

Door deze elementen te kennen, kunt u zich voorbereiden op de totale kosten van het bezit van een woning, niet alleen de aankoopprijs. Door PITI in uw budget op te nemen, zorgt u ervoor dat u uw hypotheek comfortabel kunt betalen en andere kosten met betrekking tot het onderhoud van uw huis kunt beheren.

Onderdelen van een Hypotheekbetaling

  • Hoofdsom: Het geleende bedrag dat u moet terugbetalen
  • Rente: De kosten van het lenen van geld bij de kredietverstrekker
  • Onroerendgoedbelasting: Jaarlijkse belastingen geheven door de lokale overheid op uw eigendom
  • Woonhuisverzekering: Verzekering die uw huis beschermt tegen schade
  • PMI: Verzekering vereist wanneer de aanbetaling minder dan 20% is

Factoren die de Hypotheekbetaling Beïnvloeden

  • Een hogere aanbetaling verlaagt het leenbedrag en kan PMI elimineren
  • Lagere rentetarieven verlagen maandelijkse betalingen en totale kosten
  • Langere looptijden verlagen maandelijkse betalingen maar verhogen de totale rente
  • Een betere kredietscore kan in aanmerking komen voor lagere rentetarieven

Tips voor Huizenkopers

  • Spaar minstens 20% aanbetaling om PMI te vermijden
  • Werk aan het verbeteren van uw kredietscore voordat u een aanvraag indient
  • Vergelijk aanbiedingen van meerdere kredietverstrekkers
  • Houd rekening met alle kosten, inclusief belastingen en verzekering

Hulp nodig? Neem contact met ons op via taxverge.com

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