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
12025-10-29$1,867$217$1,300$350$239,783
22025-11-29$1,867$218$1,299$350$239,565
32025-12-29$1,867$219$1,298$350$239,346
42026-01-29$1,867$221$1,296$350$239,125
52026-03-01$1,867$222$1,295$350$238,903
62026-04-01$1,867$223$1,294$350$238,680
72026-05-01$1,867$224$1,293$350$238,456
82026-06-01$1,867$225$1,292$350$238,231
92026-07-01$1,867$227$1,290$350$238,004
102026-08-01$1,867$228$1,289$350$237,777
112026-09-01$1,867$229$1,288$350$237,548
122026-10-01$1,867$230$1,287$350$237,317
132026-11-01$1,867$231$1,285$350$237,086
142026-12-01$1,867$233$1,284$350$236,853
152027-01-01$1,867$234$1,283$350$236,619
162027-02-01$1,867$235$1,282$350$236,384
172027-03-01$1,867$237$1,280$350$236,147
182027-04-01$1,867$238$1,279$350$235,910
192027-05-01$1,867$239$1,278$350$235,670
202027-06-01$1,867$240$1,277$350$235,430
212027-07-01$1,867$242$1,275$350$235,188
222027-08-01$1,867$243$1,274$350$234,945
232027-09-01$1,867$244$1,273$350$234,701
242027-10-01$1,867$246$1,271$350$234,455
252027-11-01$1,867$247$1,270$350$234,208
262027-12-01$1,867$248$1,269$350$233,960
272028-01-01$1,867$250$1,267$350$233,710
282028-02-01$1,867$251$1,266$350$233,459
292028-03-01$1,867$252$1,265$350$233,207
302028-04-01$1,867$254$1,263$350$232,953
312028-05-01$1,867$255$1,262$350$232,698
322028-06-01$1,867$257$1,260$350$232,441
332028-07-01$1,867$258$1,259$350$232,184
342028-08-01$1,867$259$1,258$350$231,924
352028-09-01$1,867$261$1,256$350$231,663
362028-10-01$1,867$262$1,255$350$231,401
372028-11-01$1,867$264$1,253$350$231,138
382028-12-01$1,867$265$1,252$350$230,873
392029-01-01$1,867$266$1,251$350$230,606
402029-02-01$1,867$268$1,249$350$230,339
412029-03-01$1,867$269$1,248$350$230,069
422029-04-01$1,867$271$1,246$350$229,799
432029-05-01$1,867$272$1,245$350$229,526
442029-06-01$1,867$274$1,243$350$229,253
452029-07-01$1,867$275$1,242$350$228,977
462029-08-01$1,867$277$1,240$350$228,701
472029-09-01$1,867$278$1,239$350$228,423
482029-10-01$1,867$280$1,237$350$228,143
492029-11-01$1,867$281$1,236$350$227,862
502029-12-01$1,867$283$1,234$350$227,579
512030-01-01$1,867$284$1,233$350$227,295
522030-02-01$1,867$286$1,231$350$227,009
532030-03-01$1,867$287$1,230$350$226,722
542030-04-01$1,867$289$1,228$350$226,433
552030-05-01$1,867$290$1,227$350$226,142
562030-06-01$1,867$292$1,225$350$225,850
572030-07-01$1,867$294$1,223$350$225,557
582030-08-01$1,867$295$1,222$350$225,262
592030-09-01$1,867$297$1,220$350$224,965
602030-10-01$1,867$298$1,219$350$224,666
612030-11-01$1,867$300$1,217$350$224,366
622030-12-01$1,867$302$1,215$350$224,065
632031-01-01$1,867$303$1,214$350$223,761
642031-02-01$1,867$305$1,212$350$223,456
652031-03-01$1,867$307$1,210$350$223,150
662031-04-01$1,867$308$1,209$350$222,842
672031-05-01$1,867$310$1,207$350$222,532
682031-06-01$1,867$312$1,205$350$222,220
692031-07-01$1,867$313$1,204$350$221,907
702031-08-01$1,867$315$1,202$350$221,592
712031-09-01$1,867$317$1,200$350$221,275
722031-10-01$1,867$318$1,199$350$220,957
732031-11-01$1,867$320$1,197$350$220,637
742031-12-01$1,867$322$1,195$350$220,315
752032-01-01$1,867$324$1,193$350$219,991
762032-02-01$1,867$325$1,192$350$219,666
772032-03-01$1,867$327$1,190$350$219,339
782032-04-01$1,867$329$1,188$350$219,010
792032-05-01$1,867$331$1,186$350$218,679
802032-06-01$1,867$332$1,185$350$218,347
812032-07-01$1,867$334$1,183$350$218,013
822032-08-01$1,867$336$1,181$350$217,677
832032-09-01$1,867$338$1,179$350$217,339
842032-10-01$1,867$340$1,177$350$216,999
852032-11-01$1,867$342$1,175$350$216,657
862032-12-01$1,867$343$1,174$350$216,314
872033-01-01$1,867$345$1,172$350$215,969
882033-02-01$1,867$347$1,170$350$215,622
892033-03-01$1,867$349$1,168$350$215,273
902033-04-01$1,867$351$1,166$350$214,922
912033-05-01$1,867$353$1,164$350$214,569
922033-06-01$1,867$355$1,162$350$214,214
932033-07-01$1,867$357$1,160$350$213,858
942033-08-01$1,867$359$1,158$350$213,499
952033-09-01$1,867$361$1,156$350$213,138
962033-10-01$1,867$362$1,155$350$212,776
972033-11-01$1,867$364$1,153$350$212,412
982033-12-01$1,867$366$1,151$350$212,045
992034-01-01$1,867$368$1,149$350$211,677
1002034-02-01$1,867$370$1,147$350$211,306
1012034-03-01$1,867$372$1,145$350$210,934
1022034-04-01$1,867$374$1,143$350$210,560
1032034-05-01$1,867$376$1,141$350$210,183
1042034-06-01$1,867$378$1,138$350$209,805
1052034-07-01$1,867$381$1,136$350$209,424
1062034-08-01$1,867$383$1,134$350$209,042
1072034-09-01$1,867$385$1,132$350$208,657
1082034-10-01$1,867$387$1,130$350$208,270
1092034-11-01$1,867$389$1,128$350$207,881
1102034-12-01$1,867$391$1,126$350$207,490
1112035-01-01$1,867$393$1,124$350$207,097
1122035-02-01$1,867$395$1,122$350$206,702
1132035-03-01$1,867$397$1,120$350$206,305
1142035-04-01$1,867$399$1,117$350$205,905
1152035-05-01$1,867$402$1,115$350$205,504
1162035-06-01$1,867$404$1,113$350$205,100
1172035-07-01$1,867$406$1,111$350$204,694
1182035-08-01$1,867$408$1,109$350$204,286
1192035-09-01$1,867$410$1,107$350$203,875
1202035-10-01$1,867$413$1,104$350$203,463
1212035-11-01$1,867$415$1,102$350$203,048
1222035-12-01$1,867$417$1,100$350$202,631
1232036-01-01$1,867$419$1,098$350$202,211
1242036-02-01$1,867$422$1,095$350$201,790
1252036-03-01$1,867$424$1,093$350$201,366
1262036-04-01$1,867$426$1,091$350$200,940
1272036-05-01$1,867$429$1,088$350$200,511
1282036-06-01$1,867$431$1,086$350$200,080
1292036-07-01$1,867$433$1,084$350$199,647
1302036-08-01$1,867$436$1,081$350$199,211
1312036-09-01$1,867$438$1,079$350$198,773
1322036-10-01$1,867$440$1,077$350$198,333
1332036-11-01$1,867$443$1,074$350$197,891
1342036-12-01$1,867$445$1,072$350$197,445
1352037-01-01$1,867$447$1,069$350$196,998
1362037-02-01$1,867$450$1,067$350$196,548
1372037-03-01$1,867$452$1,065$350$196,096
1382037-04-01$1,867$455$1,062$350$195,641
1392037-05-01$1,867$457$1,060$350$195,184
1402037-06-01$1,867$460$1,057$350$194,724
1412037-07-01$1,867$462$1,055$350$194,262
1422037-08-01$1,867$465$1,052$350$193,797
1432037-09-01$1,867$467$1,050$350$193,330
1442037-10-01$1,867$470$1,047$350$192,860
1452037-11-01$1,867$472$1,045$350$192,388
1462037-12-01$1,867$475$1,042$350$191,913
1472038-01-01$1,867$477$1,040$350$191,436
1482038-02-01$1,867$480$1,037$350$190,956
1492038-03-01$1,867$483$1,034$350$190,473
1502038-04-01$1,867$485$1,032$350$189,988
1512038-05-01$1,867$488$1,029$350$189,500
1522038-06-01$1,867$491$1,026$350$189,009
1532038-07-01$1,867$493$1,024$350$188,516
1542038-08-01$1,867$496$1,021$350$188,020
1552038-09-01$1,867$499$1,018$350$187,522
1562038-10-01$1,867$501$1,016$350$187,021
1572038-11-01$1,867$504$1,013$350$186,517
1582038-12-01$1,867$507$1,010$350$186,010
1592039-01-01$1,867$509$1,008$350$185,501
1602039-02-01$1,867$512$1,005$350$184,988
1612039-03-01$1,867$515$1,002$350$184,473
1622039-04-01$1,867$518$999$350$183,956
1632039-05-01$1,867$521$996$350$183,435
1642039-06-01$1,867$523$994$350$182,912
1652039-07-01$1,867$526$991$350$182,386
1662039-08-01$1,867$529$988$350$181,857
1672039-09-01$1,867$532$985$350$181,325
1682039-10-01$1,867$535$982$350$180,790
1692039-11-01$1,867$538$979$350$180,252
1702039-12-01$1,867$541$976$350$179,712
1712040-01-01$1,867$544$973$350$179,168
1722040-02-01$1,867$546$970$350$178,622
1732040-03-01$1,867$549$968$350$178,072
1742040-04-01$1,867$552$965$350$177,520
1752040-05-01$1,867$555$962$350$176,964
1762040-06-01$1,867$558$959$350$176,406
1772040-07-01$1,867$561$956$350$175,845
1782040-08-01$1,867$564$952$350$175,280
1792040-09-01$1,867$568$949$350$174,713
1802040-10-01$1,867$571$946$350$174,142
1812040-11-01$1,867$574$943$350$173,568
1822040-12-01$1,867$577$940$350$172,991
1832041-01-01$1,867$580$937$350$172,412
1842041-02-01$1,867$583$934$350$171,828
1852041-03-01$1,867$586$931$350$171,242
1862041-04-01$1,867$589$928$350$170,653
1872041-05-01$1,867$593$924$350$170,060
1882041-06-01$1,867$596$921$350$169,464
1892041-07-01$1,867$599$918$350$168,865
1902041-08-01$1,867$602$915$350$168,263
1912041-09-01$1,867$606$911$350$167,658
1922041-10-01$1,867$609$908$350$167,049
1932041-11-01$1,867$612$905$350$166,437
1942041-12-01$1,867$615$902$350$165,821
1952042-01-01$1,867$619$898$350$165,202
1962042-02-01$1,867$622$895$350$164,580
1972042-03-01$1,867$625$891$350$163,955
1982042-04-01$1,867$629$888$350$163,326
1992042-05-01$1,867$632$885$350$162,694
2002042-06-01$1,867$636$881$350$162,058
2012042-07-01$1,867$639$878$350$161,419
2022042-08-01$1,867$643$874$350$160,776
2032042-09-01$1,867$646$871$350$160,130
2042042-10-01$1,867$650$867$350$159,481
2052042-11-01$1,867$653$864$350$158,827
2062042-12-01$1,867$657$860$350$158,171
2072043-01-01$1,867$660$857$350$157,511
2082043-02-01$1,867$664$853$350$156,847
2092043-03-01$1,867$667$850$350$156,179
2102043-04-01$1,867$671$846$350$155,508
2112043-05-01$1,867$675$842$350$154,834
2122043-06-01$1,867$678$839$350$154,156
2132043-07-01$1,867$682$835$350$153,474
2142043-08-01$1,867$686$831$350$152,788
2152043-09-01$1,867$689$828$350$152,099
2162043-10-01$1,867$693$824$350$151,405
2172043-11-01$1,867$697$820$350$150,709
2182043-12-01$1,867$701$816$350$150,008
2192044-01-01$1,867$704$813$350$149,304
2202044-02-01$1,867$708$809$350$148,595
2212044-03-01$1,867$712$805$350$147,883
2222044-04-01$1,867$716$801$350$147,167
2232044-05-01$1,867$720$797$350$146,448
2242044-06-01$1,867$724$793$350$145,724
2252044-07-01$1,867$728$789$350$144,996
2262044-08-01$1,867$732$785$350$144,265
2272044-09-01$1,867$736$781$350$143,529
2282044-10-01$1,867$740$777$350$142,790
2292044-11-01$1,867$744$773$350$142,046
2302044-12-01$1,867$748$769$350$141,299
2312045-01-01$1,867$752$765$350$140,547
2322045-02-01$1,867$756$761$350$139,791
2332045-03-01$1,867$760$757$350$139,031
2342045-04-01$1,867$764$753$350$138,268
2352045-05-01$1,867$768$749$350$137,500
2362045-06-01$1,867$772$745$350$136,727
2372045-07-01$1,867$776$741$350$135,951
2382045-08-01$1,867$781$736$350$135,171
2392045-09-01$1,867$785$732$350$134,386
2402045-10-01$1,867$789$728$350$133,597
2412045-11-01$1,867$793$724$350$132,803
2422045-12-01$1,867$798$719$350$132,006
2432046-01-01$1,867$802$715$350$131,204
2442046-02-01$1,867$806$711$350$130,398
2452046-03-01$1,867$811$706$350$129,587
2462046-04-01$1,867$815$702$350$128,772
2472046-05-01$1,867$819$698$350$127,952
2482046-06-01$1,867$824$693$350$127,129
2492046-07-01$1,867$828$689$350$126,300
2502046-08-01$1,867$833$684$350$125,467
2512046-09-01$1,867$837$680$350$124,630
2522046-10-01$1,867$842$675$350$123,788
2532046-11-01$1,867$846$671$350$122,942
2542046-12-01$1,867$851$666$350$122,091
2552047-01-01$1,867$856$661$350$121,235
2562047-02-01$1,867$860$657$350$120,375
2572047-03-01$1,867$865$652$350$119,510
2582047-04-01$1,867$870$647$350$118,640
2592047-05-01$1,867$874$643$350$117,766
2602047-06-01$1,867$879$638$350$116,887
2612047-07-01$1,867$884$633$350$116,003
2622047-08-01$1,867$889$628$350$115,114
2632047-09-01$1,867$893$624$350$114,221
2642047-10-01$1,867$898$619$350$113,323
2652047-11-01$1,867$903$614$350$112,420
2662047-12-01$1,867$908$609$350$111,511
2672048-01-01$1,867$913$604$350$110,599
2682048-02-01$1,867$918$599$350$109,681
2692048-03-01$1,867$923$594$350$108,758
2702048-04-01$1,867$928$589$350$107,830
2712048-05-01$1,867$933$584$350$106,897
2722048-06-01$1,867$938$579$350$105,959
2732048-07-01$1,867$943$574$350$105,016
2742048-08-01$1,867$948$569$350$104,068
2752048-09-01$1,867$953$564$350$103,115
2762048-10-01$1,867$958$559$350$102,156
2772048-11-01$1,867$964$553$350$101,193
2782048-12-01$1,867$969$548$350$100,224
2792049-01-01$1,867$974$543$350$99,250
2802049-02-01$1,867$979$538$350$98,270
2812049-03-01$1,867$985$532$350$97,286
2822049-04-01$1,867$990$527$350$96,296
2832049-05-01$1,867$995$522$350$95,300
2842049-06-01$1,867$1,001$516$350$94,300
2852049-07-01$1,867$1,006$511$350$93,293
2862049-08-01$1,867$1,012$505$350$92,282
2872049-09-01$1,867$1,017$500$350$91,265
2882049-10-01$1,867$1,023$494$350$90,242
2892049-11-01$1,867$1,028$489$350$89,214
2902049-12-01$1,867$1,034$483$350$88,180
2912050-01-01$1,867$1,039$478$350$87,141
2922050-02-01$1,867$1,045$472$350$86,096
2932050-03-01$1,867$1,051$466$350$85,045
2942050-04-01$1,867$1,056$461$350$83,989
2952050-05-01$1,867$1,062$455$350$82,927
2962050-06-01$1,867$1,068$449$350$81,859
2972050-07-01$1,867$1,074$443$350$80,786
2982050-08-01$1,867$1,079$438$350$79,706
2992050-09-01$1,867$1,085$432$350$78,621
3002050-10-01$1,867$1,091$426$350$77,530
3012050-11-01$1,867$1,097$420$350$76,433
3022050-12-01$1,867$1,103$414$350$75,330
3032051-01-01$1,867$1,109$408$350$74,221
3042051-02-01$1,867$1,115$402$350$73,106
3052051-03-01$1,867$1,121$396$350$71,985
3062051-04-01$1,867$1,127$390$350$70,858
3072051-05-01$1,867$1,133$384$350$69,725
3082051-06-01$1,867$1,139$378$350$68,586
3092051-07-01$1,867$1,145$372$350$67,440
3102051-08-01$1,867$1,152$365$350$66,289
3112051-09-01$1,867$1,158$359$350$65,131
3122051-10-01$1,867$1,164$353$350$63,967
3132051-11-01$1,867$1,170$346$350$62,796
3142051-12-01$1,867$1,177$340$350$61,619
3152052-01-01$1,867$1,183$334$350$60,436
3162052-02-01$1,867$1,190$327$350$59,246
3172052-03-01$1,867$1,196$321$350$58,050
3182052-04-01$1,867$1,203$314$350$56,848
3192052-05-01$1,867$1,209$308$350$55,639
3202052-06-01$1,867$1,216$301$350$54,423
3212052-07-01$1,867$1,222$295$350$53,201
3222052-08-01$1,867$1,229$288$350$51,972
3232052-09-01$1,867$1,235$282$350$50,737
3242052-10-01$1,867$1,242$275$350$49,495
3252052-11-01$1,867$1,249$268$350$48,246
3262052-12-01$1,867$1,256$261$350$46,990
3272053-01-01$1,867$1,262$255$350$45,728
3282053-02-01$1,867$1,269$248$350$44,458
3292053-03-01$1,867$1,276$241$350$43,182
3302053-04-01$1,867$1,283$234$350$41,899
3312053-05-01$1,867$1,290$227$350$40,609
3322053-06-01$1,867$1,297$220$350$39,312
3332053-07-01$1,867$1,304$213$350$38,008
3342053-08-01$1,867$1,311$206$350$36,697
3352053-09-01$1,867$1,318$199$350$35,379
3362053-10-01$1,867$1,325$192$350$34,054
3372053-11-01$1,867$1,333$184$350$32,721
3382053-12-01$1,867$1,340$177$350$31,381
3392054-01-01$1,867$1,347$170$350$30,034
3402054-02-01$1,867$1,354$163$350$28,680
3412054-03-01$1,867$1,362$155$350$27,319
3422054-04-01$1,867$1,369$148$350$25,950
3432054-05-01$1,867$1,376$141$350$24,573
3442054-06-01$1,867$1,384$133$350$23,189
3452054-07-01$1,867$1,391$126$350$21,798
3462054-08-01$1,867$1,399$118$350$20,399
3472054-09-01$1,867$1,406$110$350$18,993
3482054-10-01$1,867$1,414$103$350$17,579
3492054-11-01$1,867$1,422$95$350$16,157
3502054-12-01$1,867$1,429$88$350$14,727
3512055-01-01$1,867$1,437$80$350$13,290
3522055-02-01$1,867$1,445$72$350$11,845
3532055-03-01$1,867$1,453$64$350$10,392
3542055-04-01$1,867$1,461$56$350$8,932
3552055-05-01$1,867$1,469$48$350$7,463
3562055-06-01$1,867$1,477$40$350$5,987
3572055-07-01$1,867$1,485$32$350$4,502
3582055-08-01$1,867$1,493$24$350$3,009
3592055-09-01$1,867$1,501$16$350$1,509
3602055-10-01$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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