🏠 ہوم لون (مارگیج) کیلکولیٹر
گھر کی قیمت، پیشگی ادائیگی، شرحِ سود اور مدت سے آغاز کریں۔ پھر وہ اخراجات شامل کریں جو بینک قسط کے ساتھ وصول کرتا ہے، اور ہر ماہ تھوڑی اضافی ادائیگی کر کے دیکھیں کہ اس سے کتنے سال اور کتنا سود بچتا ہے۔
مختصر جواب: ہوم لون کی ماہانہ قسط M = P × r(1+r)^n ÷ ((1+r)^n − 1) ہوتی ہے، جس میں پراپرٹی ٹیکس، انشورنس اور PMI شامل ہوتے ہیں۔ مثال: 6.5% پر 30 سال کے لیے $3,20,000 کے قرض پر اصل رقم اور سود کی قسط تقریباً $2,023 ماہانہ بنتی ہے۔
ابھی تک کوئی ریٹنگ نہیں · آخری اپ ڈیٹ · مفت · سائن اپ کی ضرورت نہیں
ہوم لون (مارگیج) کیلکولیٹر کے اندراجات
نتیجہ
کُل ماہانہ قسط
$2,547.62
| اصل رقم اور سود | $2,022.62 |
| پراپرٹی ٹیکس | $400.00 |
| گھر کی انشورنس | $125.00 |
- قرض کی رقم
- $3,20,000
- پیشگی ادائیگی
- $80,000
- کُل سود
- $4,08,141
- قرض کی ادائیگی مکمل ہونے میں
- 30 سال
اصل رقمسود
قرض کی ادائیگی کا شیڈول
| سال | اصل رقم | سود | بقایا رقم |
|---|---|---|---|
| 1 | $3,576.76 | $20,694.68 | $3,16,423.24 |
| 2 | $3,816.28 | $20,455.16 | $3,12,606.96 |
| 3 | $4,071.88 | $20,199.56 | $3,08,535.08 |
| 4 | $4,344.57 | $19,926.87 | $3,04,190.51 |
| 5 | $4,635.54 | $19,635.90 | $2,99,554.97 |
| 6 | $4,946.00 | $19,325.44 | $2,94,608.97 |
| 7 | $5,277.22 | $18,994.22 | $2,89,331.75 |
| 8 | $5,630.65 | $18,640.79 | $2,83,701.10 |
| 9 | $6,007.75 | $18,263.69 | $2,77,693.35 |
| 10 | $6,410.11 | $17,861.33 | $2,71,283.24 |
| 11 | $6,839.41 | $17,432.03 | $2,64,443.83 |
| 12 | $7,297.46 | $16,973.98 | $2,57,146.37 |
| 13 | $7,786.17 | $16,485.27 | $2,49,360.20 |
| 14 | $8,307.62 | $15,963.82 | $2,41,052.58 |
| 15 | $8,864.02 | $15,407.42 | $2,32,188.56 |
| 16 | $9,457.63 | $14,813.81 | $2,22,730.93 |
| 17 | $10,091.05 | $14,180.39 | $2,12,639.88 |
| 18 | $10,766.86 | $13,504.58 | $2,01,873.02 |
| 19 | $11,487.93 | $12,783.51 | $1,90,385.09 |
| 20 | $12,257.30 | $12,014.14 | $1,78,127.79 |
| 21 | $13,078.20 | $11,193.24 | $1,65,049.59 |
| 22 | $13,954.06 | $10,317.38 | $1,51,095.53 |
| 23 | $14,888.61 | $9,382.83 | $1,36,206.92 |
| 24 | $15,885.71 | $8,385.73 | $1,20,321.21 |
| 25 | $16,949.60 | $7,321.84 | $1,03,371.61 |
| 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 |
ماہانہ شیڈول دیکھیں (360 اقساط)
| # | قسط | اصل رقم | سود | بقایا رقم |
|---|---|---|---|---|
| 1 | $2,022.62 | $289.29 | $1,733.33 | $3,19,710.71 |
| 2 | $2,022.62 | $290.85 | $1,731.77 | $3,19,419.86 |
| 3 | $2,022.62 | $292.43 | $1,730.19 | $3,19,127.43 |
| 4 | $2,022.62 | $294.01 | $1,728.61 | $3,18,833.42 |
| 5 | $2,022.62 | $295.61 | $1,727.01 | $3,18,537.81 |
| 6 | $2,022.62 | $297.21 | $1,725.41 | $3,18,240.60 |
| 7 | $2,022.62 | $298.82 | $1,723.80 | $3,17,941.78 |
| 8 | $2,022.62 | $300.44 | $1,722.18 | $3,17,641.34 |
| 9 | $2,022.62 | $302.06 | $1,720.56 | $3,17,339.28 |
| 10 | $2,022.62 | $303.70 | $1,718.92 | $3,17,035.58 |
| 11 | $2,022.62 | $305.34 | $1,717.28 | $3,16,730.24 |
| 12 | $2,022.62 | $307.00 | $1,715.62 | $3,16,423.24 |
| 13 | $2,022.62 | $308.66 | $1,713.96 | $3,16,114.58 |
| 14 | $2,022.62 | $310.33 | $1,712.29 | $3,15,804.25 |
| 15 | $2,022.62 | $312.01 | $1,710.61 | $3,15,492.24 |
| 16 | $2,022.62 | $313.70 | $1,708.92 | $3,15,178.54 |
| 17 | $2,022.62 | $315.40 | $1,707.22 | $3,14,863.14 |
| 18 | $2,022.62 | $317.11 | $1,705.51 | $3,14,546.03 |
| 19 | $2,022.62 | $318.83 | $1,703.79 | $3,14,227.20 |
| 20 | $2,022.62 | $320.56 | $1,702.06 | $3,13,906.64 |
| 21 | $2,022.62 | $322.29 | $1,700.33 | $3,13,584.35 |
| 22 | $2,022.62 | $324.04 | $1,698.58 | $3,13,260.31 |
| 23 | $2,022.62 | $325.79 | $1,696.83 | $3,12,934.52 |
| 24 | $2,022.62 | $327.56 | $1,695.06 | $3,12,606.96 |
| 25 | $2,022.62 | $329.33 | $1,693.29 | $3,12,277.63 |
| 26 | $2,022.62 | $331.12 | $1,691.50 | $3,11,946.51 |
| 27 | $2,022.62 | $332.91 | $1,689.71 | $3,11,613.60 |
| 28 | $2,022.62 | $334.71 | $1,687.91 | $3,11,278.89 |
| 29 | $2,022.62 | $336.53 | $1,686.09 | $3,10,942.36 |
| 30 | $2,022.62 | $338.35 | $1,684.27 | $3,10,604.01 |
| 31 | $2,022.62 | $340.18 | $1,682.44 | $3,10,263.83 |
| 32 | $2,022.62 | $342.02 | $1,680.60 | $3,09,921.81 |
| 33 | $2,022.62 | $343.88 | $1,678.74 | $3,09,577.93 |
| 34 | $2,022.62 | $345.74 | $1,676.88 | $3,09,232.19 |
| 35 | $2,022.62 | $347.61 | $1,675.01 | $3,08,884.58 |
| 36 | $2,022.62 | $349.50 | $1,673.12 | $3,08,535.08 |
| 37 | $2,022.62 | $351.39 | $1,671.23 | $3,08,183.69 |
| 38 | $2,022.62 | $353.29 | $1,669.33 | $3,07,830.40 |
| 39 | $2,022.62 | $355.21 | $1,667.41 | $3,07,475.19 |
| 40 | $2,022.62 | $357.13 | $1,665.49 | $3,07,118.06 |
| 41 | $2,022.62 | $359.06 | $1,663.56 | $3,06,759.00 |
| 42 | $2,022.62 | $361.01 | $1,661.61 | $3,06,397.99 |
| 43 | $2,022.62 | $362.96 | $1,659.66 | $3,06,035.03 |
| 44 | $2,022.62 | $364.93 | $1,657.69 | $3,05,670.10 |
| 45 | $2,022.62 | $366.91 | $1,655.71 | $3,05,303.19 |
| 46 | $2,022.62 | $368.89 | $1,653.73 | $3,04,934.30 |
| 47 | $2,022.62 | $370.89 | $1,651.73 | $3,04,563.41 |
| 48 | $2,022.62 | $372.90 | $1,649.72 | $3,04,190.51 |
| 49 | $2,022.62 | $374.92 | $1,647.70 | $3,03,815.59 |
| 50 | $2,022.62 | $376.95 | $1,645.67 | $3,03,438.64 |
| 51 | $2,022.62 | $378.99 | $1,643.63 | $3,03,059.65 |
| 52 | $2,022.62 | $381.05 | $1,641.57 | $3,02,678.60 |
| 53 | $2,022.62 | $383.11 | $1,639.51 | $3,02,295.49 |
| 54 | $2,022.62 | $385.19 | $1,637.43 | $3,01,910.30 |
| 55 | $2,022.62 | $387.27 | $1,635.35 | $3,01,523.03 |
| 56 | $2,022.62 | $389.37 | $1,633.25 | $3,01,133.66 |
| 57 | $2,022.62 | $391.48 | $1,631.14 | $3,00,742.18 |
| 58 | $2,022.62 | $393.60 | $1,629.02 | $3,00,348.58 |
| 59 | $2,022.62 | $395.73 | $1,626.89 | $2,99,952.85 |
| 60 | $2,022.62 | $397.88 | $1,624.74 | $2,99,554.97 |
| 61 | $2,022.62 | $400.03 | $1,622.59 | $2,99,154.94 |
| 62 | $2,022.62 | $402.20 | $1,620.42 | $2,98,752.74 |
| 63 | $2,022.62 | $404.38 | $1,618.24 | $2,98,348.36 |
| 64 | $2,022.62 | $406.57 | $1,616.05 | $2,97,941.79 |
| 65 | $2,022.62 | $408.77 | $1,613.85 | $2,97,533.02 |
| 66 | $2,022.62 | $410.98 | $1,611.64 | $2,97,122.04 |
| 67 | $2,022.62 | $413.21 | $1,609.41 | $2,96,708.83 |
| 68 | $2,022.62 | $415.45 | $1,607.17 | $2,96,293.38 |
| 69 | $2,022.62 | $417.70 | $1,604.92 | $2,95,875.68 |
| 70 | $2,022.62 | $419.96 | $1,602.66 | $2,95,455.72 |
| 71 | $2,022.62 | $422.23 | $1,600.39 | $2,95,033.49 |
| 72 | $2,022.62 | $424.52 | $1,598.10 | $2,94,608.97 |
| 73 | $2,022.62 | $426.82 | $1,595.80 | $2,94,182.15 |
| 74 | $2,022.62 | $429.13 | $1,593.49 | $2,93,753.02 |
| 75 | $2,022.62 | $431.46 | $1,591.16 | $2,93,321.56 |
| 76 | $2,022.62 | $433.79 | $1,588.83 | $2,92,887.77 |
| 77 | $2,022.62 | $436.14 | $1,586.48 | $2,92,451.63 |
| 78 | $2,022.62 | $438.51 | $1,584.11 | $2,92,013.12 |
| 79 | $2,022.62 | $440.88 | $1,581.74 | $2,91,572.24 |
| 80 | $2,022.62 | $443.27 | $1,579.35 | $2,91,128.97 |
| 81 | $2,022.62 | $445.67 | $1,576.95 | $2,90,683.30 |
| 82 | $2,022.62 | $448.09 | $1,574.53 | $2,90,235.21 |
| 83 | $2,022.62 | $450.51 | $1,572.11 | $2,89,784.70 |
| 84 | $2,022.62 | $452.95 | $1,569.67 | $2,89,331.75 |
| 85 | $2,022.62 | $455.41 | $1,567.21 | $2,88,876.34 |
| 86 | $2,022.62 | $457.87 | $1,564.75 | $2,88,418.47 |
| 87 | $2,022.62 | $460.35 | $1,562.27 | $2,87,958.12 |
| 88 | $2,022.62 | $462.85 | $1,559.77 | $2,87,495.27 |
| 89 | $2,022.62 | $465.35 | $1,557.27 | $2,87,029.92 |
| 90 | $2,022.62 | $467.87 | $1,554.75 | $2,86,562.05 |
| 91 | $2,022.62 | $470.41 | $1,552.21 | $2,86,091.64 |
| 92 | $2,022.62 | $472.96 | $1,549.66 | $2,85,618.68 |
| 93 | $2,022.62 | $475.52 | $1,547.10 | $2,85,143.16 |
| 94 | $2,022.62 | $478.09 | $1,544.53 | $2,84,665.07 |
| 95 | $2,022.62 | $480.68 | $1,541.94 | $2,84,184.39 |
| 96 | $2,022.62 | $483.29 | $1,539.33 | $2,83,701.10 |
| 97 | $2,022.62 | $485.91 | $1,536.71 | $2,83,215.19 |
| 98 | $2,022.62 | $488.54 | $1,534.08 | $2,82,726.65 |
| 99 | $2,022.62 | $491.18 | $1,531.44 | $2,82,235.47 |
| 100 | $2,022.62 | $493.84 | $1,528.78 | $2,81,741.63 |
| 101 | $2,022.62 | $496.52 | $1,526.10 | $2,81,245.11 |
| 102 | $2,022.62 | $499.21 | $1,523.41 | $2,80,745.90 |
| 103 | $2,022.62 | $501.91 | $1,520.71 | $2,80,243.99 |
| 104 | $2,022.62 | $504.63 | $1,517.99 | $2,79,739.36 |
| 105 | $2,022.62 | $507.37 | $1,515.25 | $2,79,231.99 |
| 106 | $2,022.62 | $510.11 | $1,512.51 | $2,78,721.88 |
| 107 | $2,022.62 | $512.88 | $1,509.74 | $2,78,209.00 |
| 108 | $2,022.62 | $515.65 | $1,506.97 | $2,77,693.35 |
| 109 | $2,022.62 | $518.45 | $1,504.17 | $2,77,174.90 |
| 110 | $2,022.62 | $521.26 | $1,501.36 | $2,76,653.64 |
| 111 | $2,022.62 | $524.08 | $1,498.54 | $2,76,129.56 |
| 112 | $2,022.62 | $526.92 | $1,495.70 | $2,75,602.64 |
| 113 | $2,022.62 | $529.77 | $1,492.85 | $2,75,072.87 |
| 114 | $2,022.62 | $532.64 | $1,489.98 | $2,74,540.23 |
| 115 | $2,022.62 | $535.53 | $1,487.09 | $2,74,004.70 |
| 116 | $2,022.62 | $538.43 | $1,484.19 | $2,73,466.27 |
| 117 | $2,022.62 | $541.34 | $1,481.28 | $2,72,924.93 |
| 118 | $2,022.62 | $544.28 | $1,478.34 | $2,72,380.65 |
| 119 | $2,022.62 | $547.22 | $1,475.40 | $2,71,833.43 |
| 120 | $2,022.62 | $550.19 | $1,472.43 | $2,71,283.24 |
| 121 | $2,022.62 | $553.17 | $1,469.45 | $2,70,730.07 |
| 122 | $2,022.62 | $556.17 | $1,466.45 | $2,70,173.90 |
| 123 | $2,022.62 | $559.18 | $1,463.44 | $2,69,614.72 |
| 124 | $2,022.62 | $562.21 | $1,460.41 | $2,69,052.51 |
| 125 | $2,022.62 | $565.25 | $1,457.37 | $2,68,487.26 |
| 126 | $2,022.62 | $568.31 | $1,454.31 | $2,67,918.95 |
| 127 | $2,022.62 | $571.39 | $1,451.23 | $2,67,347.56 |
| 128 | $2,022.62 | $574.49 | $1,448.13 | $2,66,773.07 |
| 129 | $2,022.62 | $577.60 | $1,445.02 | $2,66,195.47 |
| 130 | $2,022.62 | $580.73 | $1,441.89 | $2,65,614.74 |
| 131 | $2,022.62 | $583.87 | $1,438.75 | $2,65,030.87 |
| 132 | $2,022.62 | $587.04 | $1,435.58 | $2,64,443.83 |
| 133 | $2,022.62 | $590.22 | $1,432.40 | $2,63,853.61 |
| 134 | $2,022.62 | $593.41 | $1,429.21 | $2,63,260.20 |
| 135 | $2,022.62 | $596.63 | $1,425.99 | $2,62,663.57 |
| 136 | $2,022.62 | $599.86 | $1,422.76 | $2,62,063.71 |
| 137 | $2,022.62 | $603.11 | $1,419.51 | $2,61,460.60 |
| 138 | $2,022.62 | $606.38 | $1,416.24 | $2,60,854.22 |
| 139 | $2,022.62 | $609.66 | $1,412.96 | $2,60,244.56 |
| 140 | $2,022.62 | $612.96 | $1,409.66 | $2,59,631.60 |
| 141 | $2,022.62 | $616.28 | $1,406.34 | $2,59,015.32 |
| 142 | $2,022.62 | $619.62 | $1,403.00 | $2,58,395.70 |
| 143 | $2,022.62 | $622.98 | $1,399.64 | $2,57,772.72 |
| 144 | $2,022.62 | $626.35 | $1,396.27 | $2,57,146.37 |
| 145 | $2,022.62 | $629.74 | $1,392.88 | $2,56,516.63 |
| 146 | $2,022.62 | $633.15 | $1,389.47 | $2,55,883.48 |
| 147 | $2,022.62 | $636.58 | $1,386.04 | $2,55,246.90 |
| 148 | $2,022.62 | $640.03 | $1,382.59 | $2,54,606.87 |
| 149 | $2,022.62 | $643.50 | $1,379.12 | $2,53,963.37 |
| 150 | $2,022.62 | $646.99 | $1,375.63 | $2,53,316.38 |
| 151 | $2,022.62 | $650.49 | $1,372.13 | $2,52,665.89 |
| 152 | $2,022.62 | $654.01 | $1,368.61 | $2,52,011.88 |
| 153 | $2,022.62 | $657.56 | $1,365.06 | $2,51,354.32 |
| 154 | $2,022.62 | $661.12 | $1,361.50 | $2,50,693.20 |
| 155 | $2,022.62 | $664.70 | $1,357.92 | $2,50,028.50 |
| 156 | $2,022.62 | $668.30 | $1,354.32 | $2,49,360.20 |
| 157 | $2,022.62 | $671.92 | $1,350.70 | $2,48,688.28 |
| 158 | $2,022.62 | $675.56 | $1,347.06 | $2,48,012.72 |
| 159 | $2,022.62 | $679.22 | $1,343.40 | $2,47,333.50 |
| 160 | $2,022.62 | $682.90 | $1,339.72 | $2,46,650.60 |
| 161 | $2,022.62 | $686.60 | $1,336.02 | $2,45,964.00 |
| 162 | $2,022.62 | $690.31 | $1,332.31 | $2,45,273.69 |
| 163 | $2,022.62 | $694.05 | $1,328.57 | $2,44,579.64 |
| 164 | $2,022.62 | $697.81 | $1,324.81 | $2,43,881.83 |
| 165 | $2,022.62 | $701.59 | $1,321.03 | $2,43,180.24 |
| 166 | $2,022.62 | $705.39 | $1,317.23 | $2,42,474.85 |
| 167 | $2,022.62 | $709.21 | $1,313.41 | $2,41,765.64 |
| 168 | $2,022.62 | $713.06 | $1,309.56 | $2,41,052.58 |
| 169 | $2,022.62 | $716.92 | $1,305.70 | $2,40,335.66 |
| 170 | $2,022.62 | $720.80 | $1,301.82 | $2,39,614.86 |
| 171 | $2,022.62 | $724.71 | $1,297.91 | $2,38,890.15 |
| 172 | $2,022.62 | $728.63 | $1,293.99 | $2,38,161.52 |
| 173 | $2,022.62 | $732.58 | $1,290.04 | $2,37,428.94 |
| 174 | $2,022.62 | $736.55 | $1,286.07 | $2,36,692.39 |
| 175 | $2,022.62 | $740.54 | $1,282.08 | $2,35,951.85 |
| 176 | $2,022.62 | $744.55 | $1,278.07 | $2,35,207.30 |
| 177 | $2,022.62 | $748.58 | $1,274.04 | $2,34,458.72 |
| 178 | $2,022.62 | $752.64 | $1,269.98 | $2,33,706.08 |
| 179 | $2,022.62 | $756.71 | $1,265.91 | $2,32,949.37 |
| 180 | $2,022.62 | $760.81 | $1,261.81 | $2,32,188.56 |
| 181 | $2,022.62 | $764.93 | $1,257.69 | $2,31,423.63 |
| 182 | $2,022.62 | $769.08 | $1,253.54 | $2,30,654.55 |
| 183 | $2,022.62 | $773.24 | $1,249.38 | $2,29,881.31 |
| 184 | $2,022.62 | $777.43 | $1,245.19 | $2,29,103.88 |
| 185 | $2,022.62 | $781.64 | $1,240.98 | $2,28,322.24 |
| 186 | $2,022.62 | $785.87 | $1,236.75 | $2,27,536.37 |
| 187 | $2,022.62 | $790.13 | $1,232.49 | $2,26,746.24 |
| 188 | $2,022.62 | $794.41 | $1,228.21 | $2,25,951.83 |
| 189 | $2,022.62 | $798.71 | $1,223.91 | $2,25,153.12 |
| 190 | $2,022.62 | $803.04 | $1,219.58 | $2,24,350.08 |
| 191 | $2,022.62 | $807.39 | $1,215.23 | $2,23,542.69 |
| 192 | $2,022.62 | $811.76 | $1,210.86 | $2,22,730.93 |
| 193 | $2,022.62 | $816.16 | $1,206.46 | $2,21,914.77 |
| 194 | $2,022.62 | $820.58 | $1,202.04 | $2,21,094.19 |
| 195 | $2,022.62 | $825.03 | $1,197.59 | $2,20,269.16 |
| 196 | $2,022.62 | $829.50 | $1,193.12 | $2,19,439.66 |
| 197 | $2,022.62 | $833.99 | $1,188.63 | $2,18,605.67 |
| 198 | $2,022.62 | $838.51 | $1,184.11 | $2,17,767.16 |
| 199 | $2,022.62 | $843.05 | $1,179.57 | $2,16,924.11 |
| 200 | $2,022.62 | $847.61 | $1,175.01 | $2,16,076.50 |
| 201 | $2,022.62 | $852.21 | $1,170.41 | $2,15,224.29 |
| 202 | $2,022.62 | $856.82 | $1,165.80 | $2,14,367.47 |
| 203 | $2,022.62 | $861.46 | $1,161.16 | $2,13,506.01 |
| 204 | $2,022.62 | $866.13 | $1,156.49 | $2,12,639.88 |
| 205 | $2,022.62 | $870.82 | $1,151.80 | $2,11,769.06 |
| 206 | $2,022.62 | $875.54 | $1,147.08 | $2,10,893.52 |
| 207 | $2,022.62 | $880.28 | $1,142.34 | $2,10,013.24 |
| 208 | $2,022.62 | $885.05 | $1,137.57 | $2,09,128.19 |
| 209 | $2,022.62 | $889.84 | $1,132.78 | $2,08,238.35 |
| 210 | $2,022.62 | $894.66 | $1,127.96 | $2,07,343.69 |
| 211 | $2,022.62 | $899.51 | $1,123.11 | $2,06,444.18 |
| 212 | $2,022.62 | $904.38 | $1,118.24 | $2,05,539.80 |
| 213 | $2,022.62 | $909.28 | $1,113.34 | $2,04,630.52 |
| 214 | $2,022.62 | $914.20 | $1,108.42 | $2,03,716.32 |
| 215 | $2,022.62 | $919.16 | $1,103.46 | $2,02,797.16 |
| 216 | $2,022.62 | $924.14 | $1,098.48 | $2,01,873.02 |
| 217 | $2,022.62 | $929.14 | $1,093.48 | $2,00,943.88 |
| 218 | $2,022.62 | $934.17 | $1,088.45 | $2,00,009.71 |
| 219 | $2,022.62 | $939.23 | $1,083.39 | $1,99,070.48 |
| 220 | $2,022.62 | $944.32 | $1,078.30 | $1,98,126.16 |
| 221 | $2,022.62 | $949.44 | $1,073.18 | $1,97,176.72 |
| 222 | $2,022.62 | $954.58 | $1,068.04 | $1,96,222.14 |
| 223 | $2,022.62 | $959.75 | $1,062.87 | $1,95,262.39 |
| 224 | $2,022.62 | $964.95 | $1,057.67 | $1,94,297.44 |
| 225 | $2,022.62 | $970.18 | $1,052.44 | $1,93,327.26 |
| 226 | $2,022.62 | $975.43 | $1,047.19 | $1,92,351.83 |
| 227 | $2,022.62 | $980.71 | $1,041.91 | $1,91,371.12 |
| 228 | $2,022.62 | $986.03 | $1,036.59 | $1,90,385.09 |
| 229 | $2,022.62 | $991.37 | $1,031.25 | $1,89,393.72 |
| 230 | $2,022.62 | $996.74 | $1,025.88 | $1,88,396.98 |
| 231 | $2,022.62 | $1,002.14 | $1,020.48 | $1,87,394.84 |
| 232 | $2,022.62 | $1,007.56 | $1,015.06 | $1,86,387.28 |
| 233 | $2,022.62 | $1,013.02 | $1,009.60 | $1,85,374.26 |
| 234 | $2,022.62 | $1,018.51 | $1,004.11 | $1,84,355.75 |
| 235 | $2,022.62 | $1,024.03 | $998.59 | $1,83,331.72 |
| 236 | $2,022.62 | $1,029.57 | $993.05 | $1,82,302.15 |
| 237 | $2,022.62 | $1,035.15 | $987.47 | $1,81,267.00 |
| 238 | $2,022.62 | $1,040.76 | $981.86 | $1,80,226.24 |
| 239 | $2,022.62 | $1,046.39 | $976.23 | $1,79,179.85 |
| 240 | $2,022.62 | $1,052.06 | $970.56 | $1,78,127.79 |
| 241 | $2,022.62 | $1,057.76 | $964.86 | $1,77,070.03 |
| 242 | $2,022.62 | $1,063.49 | $959.13 | $1,76,006.54 |
| 243 | $2,022.62 | $1,069.25 | $953.37 | $1,74,937.29 |
| 244 | $2,022.62 | $1,075.04 | $947.58 | $1,73,862.25 |
| 245 | $2,022.62 | $1,080.87 | $941.75 | $1,72,781.38 |
| 246 | $2,022.62 | $1,086.72 | $935.90 | $1,71,694.66 |
| 247 | $2,022.62 | $1,092.61 | $930.01 | $1,70,602.05 |
| 248 | $2,022.62 | $1,098.53 | $924.09 | $1,69,503.52 |
| 249 | $2,022.62 | $1,104.48 | $918.14 | $1,68,399.04 |
| 250 | $2,022.62 | $1,110.46 | $912.16 | $1,67,288.58 |
| 251 | $2,022.62 | $1,116.47 | $906.15 | $1,66,172.11 |
| 252 | $2,022.62 | $1,122.52 | $900.10 | $1,65,049.59 |
| 253 | $2,022.62 | $1,128.60 | $894.02 | $1,63,920.99 |
| 254 | $2,022.62 | $1,134.71 | $887.91 | $1,62,786.28 |
| 255 | $2,022.62 | $1,140.86 | $881.76 | $1,61,645.42 |
| 256 | $2,022.62 | $1,147.04 | $875.58 | $1,60,498.38 |
| 257 | $2,022.62 | $1,153.25 | $869.37 | $1,59,345.13 |
| 258 | $2,022.62 | $1,159.50 | $863.12 | $1,58,185.63 |
| 259 | $2,022.62 | $1,165.78 | $856.84 | $1,57,019.85 |
| 260 | $2,022.62 | $1,172.10 | $850.52 | $1,55,847.75 |
| 261 | $2,022.62 | $1,178.44 | $844.18 | $1,54,669.31 |
| 262 | $2,022.62 | $1,184.83 | $837.79 | $1,53,484.48 |
| 263 | $2,022.62 | $1,191.25 | $831.37 | $1,52,293.23 |
| 264 | $2,022.62 | $1,197.70 | $824.92 | $1,51,095.53 |
| 265 | $2,022.62 | $1,204.19 | $818.43 | $1,49,891.34 |
| 266 | $2,022.62 | $1,210.71 | $811.91 | $1,48,680.63 |
| 267 | $2,022.62 | $1,217.27 | $805.35 | $1,47,463.36 |
| 268 | $2,022.62 | $1,223.86 | $798.76 | $1,46,239.50 |
| 269 | $2,022.62 | $1,230.49 | $792.13 | $1,45,009.01 |
| 270 | $2,022.62 | $1,237.15 | $785.47 | $1,43,771.86 |
| 271 | $2,022.62 | $1,243.86 | $778.76 | $1,42,528.00 |
| 272 | $2,022.62 | $1,250.59 | $772.03 | $1,41,277.41 |
| 273 | $2,022.62 | $1,257.37 | $765.25 | $1,40,020.04 |
| 274 | $2,022.62 | $1,264.18 | $758.44 | $1,38,755.86 |
| 275 | $2,022.62 | $1,271.03 | $751.59 | $1,37,484.83 |
| 276 | $2,022.62 | $1,277.91 | $744.71 | $1,36,206.92 |
| 277 | $2,022.62 | $1,284.83 | $737.79 | $1,34,922.09 |
| 278 | $2,022.62 | $1,291.79 | $730.83 | $1,33,630.30 |
| 279 | $2,022.62 | $1,298.79 | $723.83 | $1,32,331.51 |
| 280 | $2,022.62 | $1,305.82 | $716.80 | $1,31,025.69 |
| 281 | $2,022.62 | $1,312.90 | $709.72 | $1,29,712.79 |
| 282 | $2,022.62 | $1,320.01 | $702.61 | $1,28,392.78 |
| 283 | $2,022.62 | $1,327.16 | $695.46 | $1,27,065.62 |
| 284 | $2,022.62 | $1,334.35 | $688.27 | $1,25,731.27 |
| 285 | $2,022.62 | $1,341.58 | $681.04 | $1,24,389.69 |
| 286 | $2,022.62 | $1,348.84 | $673.78 | $1,23,040.85 |
| 287 | $2,022.62 | $1,356.15 | $666.47 | $1,21,684.70 |
| 288 | $2,022.62 | $1,363.49 | $659.13 | $1,20,321.21 |
| 289 | $2,022.62 | $1,370.88 | $651.74 | $1,18,950.33 |
| 290 | $2,022.62 | $1,378.31 | $644.31 | $1,17,572.02 |
| 291 | $2,022.62 | $1,385.77 | $636.85 | $1,16,186.25 |
| 292 | $2,022.62 | $1,393.28 | $629.34 | $1,14,792.97 |
| 293 | $2,022.62 | $1,400.82 | $621.80 | $1,13,392.15 |
| 294 | $2,022.62 | $1,408.41 | $614.21 | $1,11,983.74 |
| 295 | $2,022.62 | $1,416.04 | $606.58 | $1,10,567.70 |
| 296 | $2,022.62 | $1,423.71 | $598.91 | $1,09,143.99 |
| 297 | $2,022.62 | $1,431.42 | $591.20 | $1,07,712.57 |
| 298 | $2,022.62 | $1,439.18 | $583.44 | $1,06,273.39 |
| 299 | $2,022.62 | $1,446.97 | $575.65 | $1,04,826.42 |
| 300 | $2,022.62 | $1,454.81 | $567.81 | $1,03,371.61 |
| 301 | $2,022.62 | $1,462.69 | $559.93 | $1,01,908.92 |
| 302 | $2,022.62 | $1,470.61 | $552.01 | $1,00,438.31 |
| 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 |
ہوم لون کیلکولیٹر کیسے استعمال کریں
گھر کی قیمت، فیصد میں پیشگی ادائیگی، آپ کو بتائی گئی شرحِ سود اور قرض کی مدت درج کریں۔ جو اخراجات عموماً ایسکرو کے ذریعے قسط کے ساتھ وصول ہوتے ہیں، انہیں شامل کرنے کے لیے ٹیکس، انشورنس، PMI اور اضافی ادائیگی کھولیں۔ نتیجے کے نیچے سال وار ادائیگی کا شیڈول ہر سال کے بعد کی بقایا رقم دکھاتا ہے۔
ہوم لون کی قسط کا فارمولا
اصل رقم اور سود والا حصہ ایک مقررہ رقم ہے، جو قرض کی ادائیگی کے معیاری فارمولے سے نکلتی ہے:
M = P × r(1 + r)n ÷ ((1 + r)n − 1)
جہاں P ادھار لی گئی رقم، r ماہانہ شرح (سالانہ شرح ÷ 12) اور n قسطوں کی تعداد ہے۔ ابتدائی قسطوں کا زیادہ تر حصہ سود ہوتا ہے؛ جیسے جیسے بقایا کم ہوتا ہے، ہر قسط کا بڑا حصہ اصل رقم میں جاتا ہے – یہ تبدیلی آپ اوپر کے چارٹ میں دیکھ سکتے ہیں۔
ہوم لون کی لاگت کم کرنے کے طریقے
- 20% پیشگی ادائیگی کریں، تاکہ PMI سے بچیں اور کم قرض لینا پڑے۔
- درخواست سے پہلے اپنا کریڈٹ اسکور بہتر بنائیں – شرحِ سود میں 0.25% کمی بھی ہزاروں بچاتی ہے۔
- کم مدت منتخب کریں، اگر قسط آپ کے بجٹ میں آتی ہو۔
- اصل رقم کی اضافی ادائیگی کریں – اوپر ہر ماہ تھوڑی رقم شامل کر کے دیکھیں۔
- کئی بینکوں کا موازنہ کریں اور صرف شرحِ سود نہیں، APR دیکھیں۔
یہ کیلکولیٹر صرف معلومات کے لیے تخمینہ دیتا ہے۔ آپ کی اصل قسط آپ کے بینک، مقامی ٹیکس اور انشورنس پر منحصر ہے۔
اکثر پوچھے جانے والے سوالات
ہوم لون کی ماہانہ قسط میں کیا کچھ شامل ہوتا ہے؟
زیادہ تر قسطوں میں اصل رقم اور سود ہوتا ہے، اور امریکہ میں اس کے ساتھ ایسکرو کی رقم بھی، جس سے بینک پراپرٹی ٹیکس اور گھر کی انشورنس ادا کرتا ہے۔ اگر پیشگی ادائیگی 20% سے کم ہو تو عموماً نجی مارگیج انشورنس (PMI) بھی دینی پڑتی ہے، اور بعض جائیدادوں پر ہاؤسنگ سوسائٹی (ایچ او اے) فیس لگتی ہے۔
اصل رقم اور سود کی قسط کیسے نکالی جاتی ہے؟
اس کے لیے قرض کی ادائیگی کا معیاری فارمولا M = P × r(1+r)^n ÷ ((1+r)^n − 1) استعمال ہوتا ہے، جہاں P قرض کی رقم، r ماہانہ شرحِ سود (سالانہ شرح ÷ 12) اور n ماہانہ قسطوں کی تعداد ہے۔
PMI کب ختم ہوتی ہے؟
امریکہ کے زیادہ تر عام ہوم لونز میں ہوم اونرز پروٹیکشن ایکٹ کے تحت، جب بقایا رقم گھر کی اصل قیمت (خریداری کی قیمت اور تخمینے میں سے جو کم ہو) کے 80% تک پہنچ جائے تو آپ بینک سے PMI ختم کرنے کی درخواست کر سکتے ہیں، بشرطیکہ قسطیں وقت پر ادا ہوئی ہوں اور بینک کی شرائط پوری ہوں۔ شیڈول کے مطابق بقایا 78% تک پہنچنے پر بینک کو اسے خود ختم کرنا ہوتا ہے۔ یہ کیلکولیٹر فرض کرتا ہے کہ PMI اسی مہینے ختم ہوتی ہے جب بقایا (اضافی ادائیگیوں سمیت) پہلی بار خریداری کی قیمت کے 80% تک پہنچتا ہے، یعنی آپ ختم کرنے کی درخواست کرتے ہیں۔ FHA قرض کی مارگیج انشورنس الگ قواعد کے تحت چلتی ہے – اس کے لیے ہمارا FHA لون کیلکولیٹر دیکھیں۔
کیا اضافی ادائیگی سے واقعی پیسہ بچتا ہے؟
ہاں۔ اضافی ادائیگی کا ہر روپیہ یا ڈالر براہِ راست اصل رقم کم کرتا ہے، اس لیے اگلے مہینوں میں کم سود بنتا ہے۔ ہر ماہ معمولی سی اضافی رقم بھی 30 سال کے ہوم لون سے کئی سال کم کر سکتی ہے – بچت دیکھنے کے لیے «اضافی ادائیگی / ماہانہ» میں کوئی رقم درج کریں۔
15 سال کا ہوم لون بہتر ہے یا 30 سال کا؟
15 سال کے قرض کی ماہانہ قسط زیادہ ہوتی ہے، مگر شرحِ سود عموماً کم ہوتی ہے اور کل سود بہت کم لگتا ہے۔ 30 سال کے قرض کی قسط کم ہوتی ہے اور لچک زیادہ رہتی ہے۔ اوپر قرض کی مدت بدل کر دونوں کا موازنہ کریں۔
ہوم لون (مارگیج) کیلکولیٹر کو ریٹنگ دیں
صرف اوسط ریٹنگ دکھائی جاتی ہے۔ غلطی کی رپورٹیں سیدھی ہمارے اِن باکس میں آتی ہیں تاکہ ہم انہیں جانچ کر درست کر سکیں۔ مزید دیکھیں: طریقۂ کار اور رازداری کی پالیسی۔