🏠 حاسبة القرض العقاري
ابدأ بسعر المسكن والدفعة الأولى وسعر الفائدة ومدة القرض، ثم أضِف التكاليف التي يحصّلها البنك مع القسط، وجرّب دفعة شهرية إضافية لترى كم سنة وكم من الفوائد توفّر.
إجابة سريعة: القسط الشهري للقرض العقاري = P × r(1+r)^n ÷ ((1+r)^n − 1)، تُضاف إليه ضريبة العقار والتأمين. مثال: قرض قيمته 320,000 دولار بفائدة 6.5% لمدة 30 سنةً يكلّف نحو 2,023 دولارًا شهريًا لأصل القرض والفائدة.
لم يُقيَّم بعد · آخر تحديث · مجانًا · دون تسجيل
مدخلات حاسبة القرض العقاري
النتيجة
إجمالي القسط الشهري
$2,547.62
| أصل القرض والفائدة | $2,022.62 |
| ضريبة العقار | $400.00 |
| تأمين المسكن | $125.00 |
- مبلغ القرض
- $320,000
- الدفعة الأولى
- $80,000
- إجمالي الفوائد
- $408,141
- مدة السداد
- 30 سنةً
أصل القرضالفائدة
جدول السداد
| السنة | أصل القرض | الفائدة | الرصيد المتبقي |
|---|---|---|---|
| 1 | $3,576.76 | $20,694.68 | $316,423.24 |
| 2 | $3,816.28 | $20,455.16 | $312,606.96 |
| 3 | $4,071.88 | $20,199.56 | $308,535.08 |
| 4 | $4,344.57 | $19,926.87 | $304,190.51 |
| 5 | $4,635.54 | $19,635.90 | $299,554.97 |
| 6 | $4,946.00 | $19,325.44 | $294,608.97 |
| 7 | $5,277.22 | $18,994.22 | $289,331.75 |
| 8 | $5,630.65 | $18,640.79 | $283,701.10 |
| 9 | $6,007.75 | $18,263.69 | $277,693.35 |
| 10 | $6,410.11 | $17,861.33 | $271,283.24 |
| 11 | $6,839.41 | $17,432.03 | $264,443.83 |
| 12 | $7,297.46 | $16,973.98 | $257,146.37 |
| 13 | $7,786.17 | $16,485.27 | $249,360.20 |
| 14 | $8,307.62 | $15,963.82 | $241,052.58 |
| 15 | $8,864.02 | $15,407.42 | $232,188.56 |
| 16 | $9,457.63 | $14,813.81 | $222,730.93 |
| 17 | $10,091.05 | $14,180.39 | $212,639.88 |
| 18 | $10,766.86 | $13,504.58 | $201,873.02 |
| 19 | $11,487.93 | $12,783.51 | $190,385.09 |
| 20 | $12,257.30 | $12,014.14 | $178,127.79 |
| 21 | $13,078.20 | $11,193.24 | $165,049.59 |
| 22 | $13,954.06 | $10,317.38 | $151,095.53 |
| 23 | $14,888.61 | $9,382.83 | $136,206.92 |
| 24 | $15,885.71 | $8,385.73 | $120,321.21 |
| 25 | $16,949.60 | $7,321.84 | $103,371.61 |
| 26 | $18,084.76 | $6,186.68 | $85,286.85 |
| 27 | $19,295.92 | $4,975.52 | $65,990.93 |
| 28 | $20,588.22 | $3,683.22 | $45,402.71 |
| 29 | $21,967.04 | $2,304.40 | $23,435.67 |
| 30 | $23,435.67 | $833.21 | $0.00 |
عرض الجدول الشهري (360 قسطًا)
| # | القسط | أصل القرض | الفائدة | الرصيد المتبقي |
|---|---|---|---|---|
| 1 | $2,022.62 | $289.29 | $1,733.33 | $319,710.71 |
| 2 | $2,022.62 | $290.85 | $1,731.77 | $319,419.86 |
| 3 | $2,022.62 | $292.43 | $1,730.19 | $319,127.43 |
| 4 | $2,022.62 | $294.01 | $1,728.61 | $318,833.42 |
| 5 | $2,022.62 | $295.61 | $1,727.01 | $318,537.81 |
| 6 | $2,022.62 | $297.21 | $1,725.41 | $318,240.60 |
| 7 | $2,022.62 | $298.82 | $1,723.80 | $317,941.78 |
| 8 | $2,022.62 | $300.44 | $1,722.18 | $317,641.34 |
| 9 | $2,022.62 | $302.06 | $1,720.56 | $317,339.28 |
| 10 | $2,022.62 | $303.70 | $1,718.92 | $317,035.58 |
| 11 | $2,022.62 | $305.34 | $1,717.28 | $316,730.24 |
| 12 | $2,022.62 | $307.00 | $1,715.62 | $316,423.24 |
| 13 | $2,022.62 | $308.66 | $1,713.96 | $316,114.58 |
| 14 | $2,022.62 | $310.33 | $1,712.29 | $315,804.25 |
| 15 | $2,022.62 | $312.01 | $1,710.61 | $315,492.24 |
| 16 | $2,022.62 | $313.70 | $1,708.92 | $315,178.54 |
| 17 | $2,022.62 | $315.40 | $1,707.22 | $314,863.14 |
| 18 | $2,022.62 | $317.11 | $1,705.51 | $314,546.03 |
| 19 | $2,022.62 | $318.83 | $1,703.79 | $314,227.20 |
| 20 | $2,022.62 | $320.56 | $1,702.06 | $313,906.64 |
| 21 | $2,022.62 | $322.29 | $1,700.33 | $313,584.35 |
| 22 | $2,022.62 | $324.04 | $1,698.58 | $313,260.31 |
| 23 | $2,022.62 | $325.79 | $1,696.83 | $312,934.52 |
| 24 | $2,022.62 | $327.56 | $1,695.06 | $312,606.96 |
| 25 | $2,022.62 | $329.33 | $1,693.29 | $312,277.63 |
| 26 | $2,022.62 | $331.12 | $1,691.50 | $311,946.51 |
| 27 | $2,022.62 | $332.91 | $1,689.71 | $311,613.60 |
| 28 | $2,022.62 | $334.71 | $1,687.91 | $311,278.89 |
| 29 | $2,022.62 | $336.53 | $1,686.09 | $310,942.36 |
| 30 | $2,022.62 | $338.35 | $1,684.27 | $310,604.01 |
| 31 | $2,022.62 | $340.18 | $1,682.44 | $310,263.83 |
| 32 | $2,022.62 | $342.02 | $1,680.60 | $309,921.81 |
| 33 | $2,022.62 | $343.88 | $1,678.74 | $309,577.93 |
| 34 | $2,022.62 | $345.74 | $1,676.88 | $309,232.19 |
| 35 | $2,022.62 | $347.61 | $1,675.01 | $308,884.58 |
| 36 | $2,022.62 | $349.50 | $1,673.12 | $308,535.08 |
| 37 | $2,022.62 | $351.39 | $1,671.23 | $308,183.69 |
| 38 | $2,022.62 | $353.29 | $1,669.33 | $307,830.40 |
| 39 | $2,022.62 | $355.21 | $1,667.41 | $307,475.19 |
| 40 | $2,022.62 | $357.13 | $1,665.49 | $307,118.06 |
| 41 | $2,022.62 | $359.06 | $1,663.56 | $306,759.00 |
| 42 | $2,022.62 | $361.01 | $1,661.61 | $306,397.99 |
| 43 | $2,022.62 | $362.96 | $1,659.66 | $306,035.03 |
| 44 | $2,022.62 | $364.93 | $1,657.69 | $305,670.10 |
| 45 | $2,022.62 | $366.91 | $1,655.71 | $305,303.19 |
| 46 | $2,022.62 | $368.89 | $1,653.73 | $304,934.30 |
| 47 | $2,022.62 | $370.89 | $1,651.73 | $304,563.41 |
| 48 | $2,022.62 | $372.90 | $1,649.72 | $304,190.51 |
| 49 | $2,022.62 | $374.92 | $1,647.70 | $303,815.59 |
| 50 | $2,022.62 | $376.95 | $1,645.67 | $303,438.64 |
| 51 | $2,022.62 | $378.99 | $1,643.63 | $303,059.65 |
| 52 | $2,022.62 | $381.05 | $1,641.57 | $302,678.60 |
| 53 | $2,022.62 | $383.11 | $1,639.51 | $302,295.49 |
| 54 | $2,022.62 | $385.19 | $1,637.43 | $301,910.30 |
| 55 | $2,022.62 | $387.27 | $1,635.35 | $301,523.03 |
| 56 | $2,022.62 | $389.37 | $1,633.25 | $301,133.66 |
| 57 | $2,022.62 | $391.48 | $1,631.14 | $300,742.18 |
| 58 | $2,022.62 | $393.60 | $1,629.02 | $300,348.58 |
| 59 | $2,022.62 | $395.73 | $1,626.89 | $299,952.85 |
| 60 | $2,022.62 | $397.88 | $1,624.74 | $299,554.97 |
| 61 | $2,022.62 | $400.03 | $1,622.59 | $299,154.94 |
| 62 | $2,022.62 | $402.20 | $1,620.42 | $298,752.74 |
| 63 | $2,022.62 | $404.38 | $1,618.24 | $298,348.36 |
| 64 | $2,022.62 | $406.57 | $1,616.05 | $297,941.79 |
| 65 | $2,022.62 | $408.77 | $1,613.85 | $297,533.02 |
| 66 | $2,022.62 | $410.98 | $1,611.64 | $297,122.04 |
| 67 | $2,022.62 | $413.21 | $1,609.41 | $296,708.83 |
| 68 | $2,022.62 | $415.45 | $1,607.17 | $296,293.38 |
| 69 | $2,022.62 | $417.70 | $1,604.92 | $295,875.68 |
| 70 | $2,022.62 | $419.96 | $1,602.66 | $295,455.72 |
| 71 | $2,022.62 | $422.23 | $1,600.39 | $295,033.49 |
| 72 | $2,022.62 | $424.52 | $1,598.10 | $294,608.97 |
| 73 | $2,022.62 | $426.82 | $1,595.80 | $294,182.15 |
| 74 | $2,022.62 | $429.13 | $1,593.49 | $293,753.02 |
| 75 | $2,022.62 | $431.46 | $1,591.16 | $293,321.56 |
| 76 | $2,022.62 | $433.79 | $1,588.83 | $292,887.77 |
| 77 | $2,022.62 | $436.14 | $1,586.48 | $292,451.63 |
| 78 | $2,022.62 | $438.51 | $1,584.11 | $292,013.12 |
| 79 | $2,022.62 | $440.88 | $1,581.74 | $291,572.24 |
| 80 | $2,022.62 | $443.27 | $1,579.35 | $291,128.97 |
| 81 | $2,022.62 | $445.67 | $1,576.95 | $290,683.30 |
| 82 | $2,022.62 | $448.09 | $1,574.53 | $290,235.21 |
| 83 | $2,022.62 | $450.51 | $1,572.11 | $289,784.70 |
| 84 | $2,022.62 | $452.95 | $1,569.67 | $289,331.75 |
| 85 | $2,022.62 | $455.41 | $1,567.21 | $288,876.34 |
| 86 | $2,022.62 | $457.87 | $1,564.75 | $288,418.47 |
| 87 | $2,022.62 | $460.35 | $1,562.27 | $287,958.12 |
| 88 | $2,022.62 | $462.85 | $1,559.77 | $287,495.27 |
| 89 | $2,022.62 | $465.35 | $1,557.27 | $287,029.92 |
| 90 | $2,022.62 | $467.87 | $1,554.75 | $286,562.05 |
| 91 | $2,022.62 | $470.41 | $1,552.21 | $286,091.64 |
| 92 | $2,022.62 | $472.96 | $1,549.66 | $285,618.68 |
| 93 | $2,022.62 | $475.52 | $1,547.10 | $285,143.16 |
| 94 | $2,022.62 | $478.09 | $1,544.53 | $284,665.07 |
| 95 | $2,022.62 | $480.68 | $1,541.94 | $284,184.39 |
| 96 | $2,022.62 | $483.29 | $1,539.33 | $283,701.10 |
| 97 | $2,022.62 | $485.91 | $1,536.71 | $283,215.19 |
| 98 | $2,022.62 | $488.54 | $1,534.08 | $282,726.65 |
| 99 | $2,022.62 | $491.18 | $1,531.44 | $282,235.47 |
| 100 | $2,022.62 | $493.84 | $1,528.78 | $281,741.63 |
| 101 | $2,022.62 | $496.52 | $1,526.10 | $281,245.11 |
| 102 | $2,022.62 | $499.21 | $1,523.41 | $280,745.90 |
| 103 | $2,022.62 | $501.91 | $1,520.71 | $280,243.99 |
| 104 | $2,022.62 | $504.63 | $1,517.99 | $279,739.36 |
| 105 | $2,022.62 | $507.37 | $1,515.25 | $279,231.99 |
| 106 | $2,022.62 | $510.11 | $1,512.51 | $278,721.88 |
| 107 | $2,022.62 | $512.88 | $1,509.74 | $278,209.00 |
| 108 | $2,022.62 | $515.65 | $1,506.97 | $277,693.35 |
| 109 | $2,022.62 | $518.45 | $1,504.17 | $277,174.90 |
| 110 | $2,022.62 | $521.26 | $1,501.36 | $276,653.64 |
| 111 | $2,022.62 | $524.08 | $1,498.54 | $276,129.56 |
| 112 | $2,022.62 | $526.92 | $1,495.70 | $275,602.64 |
| 113 | $2,022.62 | $529.77 | $1,492.85 | $275,072.87 |
| 114 | $2,022.62 | $532.64 | $1,489.98 | $274,540.23 |
| 115 | $2,022.62 | $535.53 | $1,487.09 | $274,004.70 |
| 116 | $2,022.62 | $538.43 | $1,484.19 | $273,466.27 |
| 117 | $2,022.62 | $541.34 | $1,481.28 | $272,924.93 |
| 118 | $2,022.62 | $544.28 | $1,478.34 | $272,380.65 |
| 119 | $2,022.62 | $547.22 | $1,475.40 | $271,833.43 |
| 120 | $2,022.62 | $550.19 | $1,472.43 | $271,283.24 |
| 121 | $2,022.62 | $553.17 | $1,469.45 | $270,730.07 |
| 122 | $2,022.62 | $556.17 | $1,466.45 | $270,173.90 |
| 123 | $2,022.62 | $559.18 | $1,463.44 | $269,614.72 |
| 124 | $2,022.62 | $562.21 | $1,460.41 | $269,052.51 |
| 125 | $2,022.62 | $565.25 | $1,457.37 | $268,487.26 |
| 126 | $2,022.62 | $568.31 | $1,454.31 | $267,918.95 |
| 127 | $2,022.62 | $571.39 | $1,451.23 | $267,347.56 |
| 128 | $2,022.62 | $574.49 | $1,448.13 | $266,773.07 |
| 129 | $2,022.62 | $577.60 | $1,445.02 | $266,195.47 |
| 130 | $2,022.62 | $580.73 | $1,441.89 | $265,614.74 |
| 131 | $2,022.62 | $583.87 | $1,438.75 | $265,030.87 |
| 132 | $2,022.62 | $587.04 | $1,435.58 | $264,443.83 |
| 133 | $2,022.62 | $590.22 | $1,432.40 | $263,853.61 |
| 134 | $2,022.62 | $593.41 | $1,429.21 | $263,260.20 |
| 135 | $2,022.62 | $596.63 | $1,425.99 | $262,663.57 |
| 136 | $2,022.62 | $599.86 | $1,422.76 | $262,063.71 |
| 137 | $2,022.62 | $603.11 | $1,419.51 | $261,460.60 |
| 138 | $2,022.62 | $606.38 | $1,416.24 | $260,854.22 |
| 139 | $2,022.62 | $609.66 | $1,412.96 | $260,244.56 |
| 140 | $2,022.62 | $612.96 | $1,409.66 | $259,631.60 |
| 141 | $2,022.62 | $616.28 | $1,406.34 | $259,015.32 |
| 142 | $2,022.62 | $619.62 | $1,403.00 | $258,395.70 |
| 143 | $2,022.62 | $622.98 | $1,399.64 | $257,772.72 |
| 144 | $2,022.62 | $626.35 | $1,396.27 | $257,146.37 |
| 145 | $2,022.62 | $629.74 | $1,392.88 | $256,516.63 |
| 146 | $2,022.62 | $633.15 | $1,389.47 | $255,883.48 |
| 147 | $2,022.62 | $636.58 | $1,386.04 | $255,246.90 |
| 148 | $2,022.62 | $640.03 | $1,382.59 | $254,606.87 |
| 149 | $2,022.62 | $643.50 | $1,379.12 | $253,963.37 |
| 150 | $2,022.62 | $646.99 | $1,375.63 | $253,316.38 |
| 151 | $2,022.62 | $650.49 | $1,372.13 | $252,665.89 |
| 152 | $2,022.62 | $654.01 | $1,368.61 | $252,011.88 |
| 153 | $2,022.62 | $657.56 | $1,365.06 | $251,354.32 |
| 154 | $2,022.62 | $661.12 | $1,361.50 | $250,693.20 |
| 155 | $2,022.62 | $664.70 | $1,357.92 | $250,028.50 |
| 156 | $2,022.62 | $668.30 | $1,354.32 | $249,360.20 |
| 157 | $2,022.62 | $671.92 | $1,350.70 | $248,688.28 |
| 158 | $2,022.62 | $675.56 | $1,347.06 | $248,012.72 |
| 159 | $2,022.62 | $679.22 | $1,343.40 | $247,333.50 |
| 160 | $2,022.62 | $682.90 | $1,339.72 | $246,650.60 |
| 161 | $2,022.62 | $686.60 | $1,336.02 | $245,964.00 |
| 162 | $2,022.62 | $690.31 | $1,332.31 | $245,273.69 |
| 163 | $2,022.62 | $694.05 | $1,328.57 | $244,579.64 |
| 164 | $2,022.62 | $697.81 | $1,324.81 | $243,881.83 |
| 165 | $2,022.62 | $701.59 | $1,321.03 | $243,180.24 |
| 166 | $2,022.62 | $705.39 | $1,317.23 | $242,474.85 |
| 167 | $2,022.62 | $709.21 | $1,313.41 | $241,765.64 |
| 168 | $2,022.62 | $713.06 | $1,309.56 | $241,052.58 |
| 169 | $2,022.62 | $716.92 | $1,305.70 | $240,335.66 |
| 170 | $2,022.62 | $720.80 | $1,301.82 | $239,614.86 |
| 171 | $2,022.62 | $724.71 | $1,297.91 | $238,890.15 |
| 172 | $2,022.62 | $728.63 | $1,293.99 | $238,161.52 |
| 173 | $2,022.62 | $732.58 | $1,290.04 | $237,428.94 |
| 174 | $2,022.62 | $736.55 | $1,286.07 | $236,692.39 |
| 175 | $2,022.62 | $740.54 | $1,282.08 | $235,951.85 |
| 176 | $2,022.62 | $744.55 | $1,278.07 | $235,207.30 |
| 177 | $2,022.62 | $748.58 | $1,274.04 | $234,458.72 |
| 178 | $2,022.62 | $752.64 | $1,269.98 | $233,706.08 |
| 179 | $2,022.62 | $756.71 | $1,265.91 | $232,949.37 |
| 180 | $2,022.62 | $760.81 | $1,261.81 | $232,188.56 |
| 181 | $2,022.62 | $764.93 | $1,257.69 | $231,423.63 |
| 182 | $2,022.62 | $769.08 | $1,253.54 | $230,654.55 |
| 183 | $2,022.62 | $773.24 | $1,249.38 | $229,881.31 |
| 184 | $2,022.62 | $777.43 | $1,245.19 | $229,103.88 |
| 185 | $2,022.62 | $781.64 | $1,240.98 | $228,322.24 |
| 186 | $2,022.62 | $785.87 | $1,236.75 | $227,536.37 |
| 187 | $2,022.62 | $790.13 | $1,232.49 | $226,746.24 |
| 188 | $2,022.62 | $794.41 | $1,228.21 | $225,951.83 |
| 189 | $2,022.62 | $798.71 | $1,223.91 | $225,153.12 |
| 190 | $2,022.62 | $803.04 | $1,219.58 | $224,350.08 |
| 191 | $2,022.62 | $807.39 | $1,215.23 | $223,542.69 |
| 192 | $2,022.62 | $811.76 | $1,210.86 | $222,730.93 |
| 193 | $2,022.62 | $816.16 | $1,206.46 | $221,914.77 |
| 194 | $2,022.62 | $820.58 | $1,202.04 | $221,094.19 |
| 195 | $2,022.62 | $825.03 | $1,197.59 | $220,269.16 |
| 196 | $2,022.62 | $829.50 | $1,193.12 | $219,439.66 |
| 197 | $2,022.62 | $833.99 | $1,188.63 | $218,605.67 |
| 198 | $2,022.62 | $838.51 | $1,184.11 | $217,767.16 |
| 199 | $2,022.62 | $843.05 | $1,179.57 | $216,924.11 |
| 200 | $2,022.62 | $847.61 | $1,175.01 | $216,076.50 |
| 201 | $2,022.62 | $852.21 | $1,170.41 | $215,224.29 |
| 202 | $2,022.62 | $856.82 | $1,165.80 | $214,367.47 |
| 203 | $2,022.62 | $861.46 | $1,161.16 | $213,506.01 |
| 204 | $2,022.62 | $866.13 | $1,156.49 | $212,639.88 |
| 205 | $2,022.62 | $870.82 | $1,151.80 | $211,769.06 |
| 206 | $2,022.62 | $875.54 | $1,147.08 | $210,893.52 |
| 207 | $2,022.62 | $880.28 | $1,142.34 | $210,013.24 |
| 208 | $2,022.62 | $885.05 | $1,137.57 | $209,128.19 |
| 209 | $2,022.62 | $889.84 | $1,132.78 | $208,238.35 |
| 210 | $2,022.62 | $894.66 | $1,127.96 | $207,343.69 |
| 211 | $2,022.62 | $899.51 | $1,123.11 | $206,444.18 |
| 212 | $2,022.62 | $904.38 | $1,118.24 | $205,539.80 |
| 213 | $2,022.62 | $909.28 | $1,113.34 | $204,630.52 |
| 214 | $2,022.62 | $914.20 | $1,108.42 | $203,716.32 |
| 215 | $2,022.62 | $919.16 | $1,103.46 | $202,797.16 |
| 216 | $2,022.62 | $924.14 | $1,098.48 | $201,873.02 |
| 217 | $2,022.62 | $929.14 | $1,093.48 | $200,943.88 |
| 218 | $2,022.62 | $934.17 | $1,088.45 | $200,009.71 |
| 219 | $2,022.62 | $939.23 | $1,083.39 | $199,070.48 |
| 220 | $2,022.62 | $944.32 | $1,078.30 | $198,126.16 |
| 221 | $2,022.62 | $949.44 | $1,073.18 | $197,176.72 |
| 222 | $2,022.62 | $954.58 | $1,068.04 | $196,222.14 |
| 223 | $2,022.62 | $959.75 | $1,062.87 | $195,262.39 |
| 224 | $2,022.62 | $964.95 | $1,057.67 | $194,297.44 |
| 225 | $2,022.62 | $970.18 | $1,052.44 | $193,327.26 |
| 226 | $2,022.62 | $975.43 | $1,047.19 | $192,351.83 |
| 227 | $2,022.62 | $980.71 | $1,041.91 | $191,371.12 |
| 228 | $2,022.62 | $986.03 | $1,036.59 | $190,385.09 |
| 229 | $2,022.62 | $991.37 | $1,031.25 | $189,393.72 |
| 230 | $2,022.62 | $996.74 | $1,025.88 | $188,396.98 |
| 231 | $2,022.62 | $1,002.14 | $1,020.48 | $187,394.84 |
| 232 | $2,022.62 | $1,007.56 | $1,015.06 | $186,387.28 |
| 233 | $2,022.62 | $1,013.02 | $1,009.60 | $185,374.26 |
| 234 | $2,022.62 | $1,018.51 | $1,004.11 | $184,355.75 |
| 235 | $2,022.62 | $1,024.03 | $998.59 | $183,331.72 |
| 236 | $2,022.62 | $1,029.57 | $993.05 | $182,302.15 |
| 237 | $2,022.62 | $1,035.15 | $987.47 | $181,267.00 |
| 238 | $2,022.62 | $1,040.76 | $981.86 | $180,226.24 |
| 239 | $2,022.62 | $1,046.39 | $976.23 | $179,179.85 |
| 240 | $2,022.62 | $1,052.06 | $970.56 | $178,127.79 |
| 241 | $2,022.62 | $1,057.76 | $964.86 | $177,070.03 |
| 242 | $2,022.62 | $1,063.49 | $959.13 | $176,006.54 |
| 243 | $2,022.62 | $1,069.25 | $953.37 | $174,937.29 |
| 244 | $2,022.62 | $1,075.04 | $947.58 | $173,862.25 |
| 245 | $2,022.62 | $1,080.87 | $941.75 | $172,781.38 |
| 246 | $2,022.62 | $1,086.72 | $935.90 | $171,694.66 |
| 247 | $2,022.62 | $1,092.61 | $930.01 | $170,602.05 |
| 248 | $2,022.62 | $1,098.53 | $924.09 | $169,503.52 |
| 249 | $2,022.62 | $1,104.48 | $918.14 | $168,399.04 |
| 250 | $2,022.62 | $1,110.46 | $912.16 | $167,288.58 |
| 251 | $2,022.62 | $1,116.47 | $906.15 | $166,172.11 |
| 252 | $2,022.62 | $1,122.52 | $900.10 | $165,049.59 |
| 253 | $2,022.62 | $1,128.60 | $894.02 | $163,920.99 |
| 254 | $2,022.62 | $1,134.71 | $887.91 | $162,786.28 |
| 255 | $2,022.62 | $1,140.86 | $881.76 | $161,645.42 |
| 256 | $2,022.62 | $1,147.04 | $875.58 | $160,498.38 |
| 257 | $2,022.62 | $1,153.25 | $869.37 | $159,345.13 |
| 258 | $2,022.62 | $1,159.50 | $863.12 | $158,185.63 |
| 259 | $2,022.62 | $1,165.78 | $856.84 | $157,019.85 |
| 260 | $2,022.62 | $1,172.10 | $850.52 | $155,847.75 |
| 261 | $2,022.62 | $1,178.44 | $844.18 | $154,669.31 |
| 262 | $2,022.62 | $1,184.83 | $837.79 | $153,484.48 |
| 263 | $2,022.62 | $1,191.25 | $831.37 | $152,293.23 |
| 264 | $2,022.62 | $1,197.70 | $824.92 | $151,095.53 |
| 265 | $2,022.62 | $1,204.19 | $818.43 | $149,891.34 |
| 266 | $2,022.62 | $1,210.71 | $811.91 | $148,680.63 |
| 267 | $2,022.62 | $1,217.27 | $805.35 | $147,463.36 |
| 268 | $2,022.62 | $1,223.86 | $798.76 | $146,239.50 |
| 269 | $2,022.62 | $1,230.49 | $792.13 | $145,009.01 |
| 270 | $2,022.62 | $1,237.15 | $785.47 | $143,771.86 |
| 271 | $2,022.62 | $1,243.86 | $778.76 | $142,528.00 |
| 272 | $2,022.62 | $1,250.59 | $772.03 | $141,277.41 |
| 273 | $2,022.62 | $1,257.37 | $765.25 | $140,020.04 |
| 274 | $2,022.62 | $1,264.18 | $758.44 | $138,755.86 |
| 275 | $2,022.62 | $1,271.03 | $751.59 | $137,484.83 |
| 276 | $2,022.62 | $1,277.91 | $744.71 | $136,206.92 |
| 277 | $2,022.62 | $1,284.83 | $737.79 | $134,922.09 |
| 278 | $2,022.62 | $1,291.79 | $730.83 | $133,630.30 |
| 279 | $2,022.62 | $1,298.79 | $723.83 | $132,331.51 |
| 280 | $2,022.62 | $1,305.82 | $716.80 | $131,025.69 |
| 281 | $2,022.62 | $1,312.90 | $709.72 | $129,712.79 |
| 282 | $2,022.62 | $1,320.01 | $702.61 | $128,392.78 |
| 283 | $2,022.62 | $1,327.16 | $695.46 | $127,065.62 |
| 284 | $2,022.62 | $1,334.35 | $688.27 | $125,731.27 |
| 285 | $2,022.62 | $1,341.58 | $681.04 | $124,389.69 |
| 286 | $2,022.62 | $1,348.84 | $673.78 | $123,040.85 |
| 287 | $2,022.62 | $1,356.15 | $666.47 | $121,684.70 |
| 288 | $2,022.62 | $1,363.49 | $659.13 | $120,321.21 |
| 289 | $2,022.62 | $1,370.88 | $651.74 | $118,950.33 |
| 290 | $2,022.62 | $1,378.31 | $644.31 | $117,572.02 |
| 291 | $2,022.62 | $1,385.77 | $636.85 | $116,186.25 |
| 292 | $2,022.62 | $1,393.28 | $629.34 | $114,792.97 |
| 293 | $2,022.62 | $1,400.82 | $621.80 | $113,392.15 |
| 294 | $2,022.62 | $1,408.41 | $614.21 | $111,983.74 |
| 295 | $2,022.62 | $1,416.04 | $606.58 | $110,567.70 |
| 296 | $2,022.62 | $1,423.71 | $598.91 | $109,143.99 |
| 297 | $2,022.62 | $1,431.42 | $591.20 | $107,712.57 |
| 298 | $2,022.62 | $1,439.18 | $583.44 | $106,273.39 |
| 299 | $2,022.62 | $1,446.97 | $575.65 | $104,826.42 |
| 300 | $2,022.62 | $1,454.81 | $567.81 | $103,371.61 |
| 301 | $2,022.62 | $1,462.69 | $559.93 | $101,908.92 |
| 302 | $2,022.62 | $1,470.61 | $552.01 | $100,438.31 |
| 303 | $2,022.62 | $1,478.58 | $544.04 | $98,959.73 |
| 304 | $2,022.62 | $1,486.59 | $536.03 | $97,473.14 |
| 305 | $2,022.62 | $1,494.64 | $527.98 | $95,978.50 |
| 306 | $2,022.62 | $1,502.74 | $519.88 | $94,475.76 |
| 307 | $2,022.62 | $1,510.88 | $511.74 | $92,964.88 |
| 308 | $2,022.62 | $1,519.06 | $503.56 | $91,445.82 |
| 309 | $2,022.62 | $1,527.29 | $495.33 | $89,918.53 |
| 310 | $2,022.62 | $1,535.56 | $487.06 | $88,382.97 |
| 311 | $2,022.62 | $1,543.88 | $478.74 | $86,839.09 |
| 312 | $2,022.62 | $1,552.24 | $470.38 | $85,286.85 |
| 313 | $2,022.62 | $1,560.65 | $461.97 | $83,726.20 |
| 314 | $2,022.62 | $1,569.10 | $453.52 | $82,157.10 |
| 315 | $2,022.62 | $1,577.60 | $445.02 | $80,579.50 |
| 316 | $2,022.62 | $1,586.15 | $436.47 | $78,993.35 |
| 317 | $2,022.62 | $1,594.74 | $427.88 | $77,398.61 |
| 318 | $2,022.62 | $1,603.38 | $419.24 | $75,795.23 |
| 319 | $2,022.62 | $1,612.06 | $410.56 | $74,183.17 |
| 320 | $2,022.62 | $1,620.79 | $401.83 | $72,562.38 |
| 321 | $2,022.62 | $1,629.57 | $393.05 | $70,932.81 |
| 322 | $2,022.62 | $1,638.40 | $384.22 | $69,294.41 |
| 323 | $2,022.62 | $1,647.28 | $375.34 | $67,647.13 |
| 324 | $2,022.62 | $1,656.20 | $366.42 | $65,990.93 |
| 325 | $2,022.62 | $1,665.17 | $357.45 | $64,325.76 |
| 326 | $2,022.62 | $1,674.19 | $348.43 | $62,651.57 |
| 327 | $2,022.62 | $1,683.26 | $339.36 | $60,968.31 |
| 328 | $2,022.62 | $1,692.37 | $330.25 | $59,275.94 |
| 329 | $2,022.62 | $1,701.54 | $321.08 | $57,574.40 |
| 330 | $2,022.62 | $1,710.76 | $311.86 | $55,863.64 |
| 331 | $2,022.62 | $1,720.03 | $302.59 | $54,143.61 |
| 332 | $2,022.62 | $1,729.34 | $293.28 | $52,414.27 |
| 333 | $2,022.62 | $1,738.71 | $283.91 | $50,675.56 |
| 334 | $2,022.62 | $1,748.13 | $274.49 | $48,927.43 |
| 335 | $2,022.62 | $1,757.60 | $265.02 | $47,169.83 |
| 336 | $2,022.62 | $1,767.12 | $255.50 | $45,402.71 |
| 337 | $2,022.62 | $1,776.69 | $245.93 | $43,626.02 |
| 338 | $2,022.62 | $1,786.31 | $236.31 | $41,839.71 |
| 339 | $2,022.62 | $1,795.99 | $226.63 | $40,043.72 |
| 340 | $2,022.62 | $1,805.72 | $216.90 | $38,238.00 |
| 341 | $2,022.62 | $1,815.50 | $207.12 | $36,422.50 |
| 342 | $2,022.62 | $1,825.33 | $197.29 | $34,597.17 |
| 343 | $2,022.62 | $1,835.22 | $187.40 | $32,761.95 |
| 344 | $2,022.62 | $1,845.16 | $177.46 | $30,916.79 |
| 345 | $2,022.62 | $1,855.15 | $167.47 | $29,061.64 |
| 346 | $2,022.62 | $1,865.20 | $157.42 | $27,196.44 |
| 347 | $2,022.62 | $1,875.31 | $147.31 | $25,321.13 |
| 348 | $2,022.62 | $1,885.46 | $137.16 | $23,435.67 |
| 349 | $2,022.62 | $1,895.68 | $126.94 | $21,539.99 |
| 350 | $2,022.62 | $1,905.95 | $116.67 | $19,634.04 |
| 351 | $2,022.62 | $1,916.27 | $106.35 | $17,717.77 |
| 352 | $2,022.62 | $1,926.65 | $95.97 | $15,791.12 |
| 353 | $2,022.62 | $1,937.08 | $85.54 | $13,854.04 |
| 354 | $2,022.62 | $1,947.58 | $75.04 | $11,906.46 |
| 355 | $2,022.62 | $1,958.13 | $64.49 | $9,948.33 |
| 356 | $2,022.62 | $1,968.73 | $53.89 | $7,979.60 |
| 357 | $2,022.62 | $1,979.40 | $43.22 | $6,000.20 |
| 358 | $2,022.62 | $1,990.12 | $32.50 | $4,010.08 |
| 359 | $2,022.62 | $2,000.90 | $21.72 | $2,009.18 |
| 360 | $2,020.06 | $2,009.18 | $10.88 | $0.00 |
طريقة استخدام حاسبة القرض العقاري
أدخل سعر المسكن، ودفعتك الأولى كنسبة مئوية، وسعر الفائدة المعروض عليك، ومدة القرض. ثم افتح قسم الضرائب والتأمين والدفعات الإضافية لإضافة التكاليف التي تُحصَّل عادةً مع القسط عبر حساب الضمان. ويعرض جدول السداد السنوي أسفل النتيجة الرصيد المتبقي في نهاية كل سنة.
معادلة القسط الشهري
الجزء الخاص بأصل القرض والفائدة مبلغ ثابت يُحسب بمعادلة الإطفاء المعتادة:
القسط = P × r(1 + r)n ÷ ((1 + r)n − 1)
حيث P المبلغ المقترض، وr سعر الفائدة الشهري (السعر السنوي ÷ 12)، وn عدد الأقساط. تذهب الأقساط الأولى في معظمها إلى الفائدة، ومع انخفاض الرصيد يتجه جزء أكبر من كل قسط إلى سداد أصل القرض – ويمكنك رؤية هذا التحول في الرسم البياني.
طرق لخفض تكلفة قرضك العقاري
- ادفع 20% دفعةً أولى لتتجنّب تأمين الرهن العقاري الخاص وتقترض مبلغًا أقل.
- حسِّن سجلك الائتماني قبل التقديم – فحتى خفض سعر الفائدة بنسبة 0.25% يوفّر آلاف الدولارات.
- اختر مدة أقصر إذا كان القسط يناسب ميزانيتك.
- سدِّد دفعات إضافية من أصل القرض – جرّب إضافة مبلغ شهري صغير في الحاسبة.
- قارن عروض عدة جهات تمويل، وانظر إلى معدل النسبة السنوي (APR) لا إلى سعر الفائدة وحده.
تقدّم هذه الحاسبة تقديرات لأغراض تعليمية. ويعتمد قسطك الفعلي على جهة التمويل والضرائب المحلية والتأمين.
الأسئلة الشائعة
ما الذي يشمله القسط الشهري للقرض العقاري؟
يشمل معظم الأقساط أصل القرض والفائدة، إضافةً إلى مبلغ يُودَع في حساب ضمان لسداد ضريبة العقار وتأمين المسكن. وإذا كانت دفعتك الأولى أقل من 20% فعادةً ما تدفع أيضًا تأمين الرهن العقاري الخاص (PMI)، وتفرض بعض العقارات رسومًا لاتحاد الملاك.
كيف يُحسب الجزء الشهري من أصل القرض والفائدة؟
يُحسب بمعادلة الإطفاء المعتادة: القسط = P × r(1+r)^n ÷ ((1+r)^n − 1)، حيث P مبلغ القرض، وr سعر الفائدة الشهري (السعر السنوي ÷ 12)، وn عدد الأقساط الشهرية.
متى يتوقف تأمين الرهن العقاري الخاص (PMI)؟
في معظم القروض التقليدية الأمريكية، يتيح قانون حماية مالكي المساكن أن تطلب من المُقرض إلغاء هذا التأمين حين يبلغ الرصيد 80% من القيمة الأصلية للمسكن (سعر الشراء أو قيمة التقييم، أيهما أقل)، بشرط انتظامك في السداد واستيفاء شروط المُقرض. ويجب على المُقرض إنهاؤه تلقائيًا حين يُقرَّر وصول الرصيد إلى 78% وفق جدول السداد. وتفترض هذه الحاسبة أن التأمين ينتهي في الشهر الذي يبلغ فيه الرصيد لأول مرة 80% من سعر الشراء (مع احتساب أي دفعات إضافية)، أي أنك تطلب الإلغاء. أما تأمين قروض الإدارة الفدرالية للإسكان فيخضع لقواعد مختلفة.
هل توفّر الدفعات الإضافية المال فعلًا؟
نعم. كل دولار إضافي يُخصم مباشرةً من أصل القرض، فتقل الفوائد المستحقة في الأشهر التالية. وحتى المبالغ الشهرية الصغيرة يمكن أن تختصر سنوات من قرض مدته 30 سنةً – أدخل مبلغًا في خانة «دفعة إضافية شهريًا» لترى ما توفّره.
أيهما أفضل: قرض لمدة 15 سنةً أم 30 سنةً؟
قرض الـ15 سنةً أقساطه الشهرية أعلى، لكن سعر فائدته عادةً أقل وفوائده الإجمالية أقل بكثير. أما قرض الـ30 سنةً فأقساطه أخف ويمنحك مرونة أكبر. قارن بين الخيارين بتغيير مدة القرض في الحاسبة.
قيّم حاسبة القرض العقاري
لا نعرض سوى متوسط التقييم. تصل بلاغات الأخطاء مباشرةً إلى بريدنا لنتحقق منها ونصححها. اطّلع على المنهجية و سياسة الخصوصية.