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Mortgage APR Calculator



    Calculator
Glossary
Use this calculator to determine the Annual Percentage Rate (APR) for your mortgage. Press "Calculate" for a full amortization schedule, either by year or by month.

LOAN information
Mortgage amount
Term
Interest rate
Closing costs
Origination fee percent
Points paid
Other fees to include

Show amortization schedule by

 Year Month


        Annual Percentage Rate (APR)
        Mortgage Amount
        Interest rate
        Term in years
        Monthly payment
        Total payments
        Total interest
        LOAN origination percent
        Discount points
        Other fees
Annual Percentage Rate (APR)

A standard calculation used by lenders. It is designed to help borrowers compare different LOAN options. For example, a LOAN with a lower stated interest rate may be a bad value if its fees are too high. Likewise, a LOAN with a higher stated rate with very low fees could be an exceptional value. APR calculations incorporate these fees into a single rate. You can then compare LOANs with different fees, rates or different terms.

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Mortgage amount

Original or expected balance for your mortgage.

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Interest rate

Annual interest rate for this mortgage.

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Term in years

The number of years over which you will repay this LOAN. The most common mortgage terms are 15 years and 30 years.

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Monthly payment

Monthly principal and interest payment (PI).

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Total payments

Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.

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Total interest

Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.

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LOAN origination percent

The percent of your LOAN charged as a LOAN origination fee. For example, a 1% fee on a $120,000 LOAN would cost $1,200.

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LOAN origination percent

The number of years over which you would repay this LOAN if you made your normal monthly payment. The most common terms for mortgages are 15 years and 30 years.

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Discount points

Total number of "points" purchased to reduce your mortgage's interest rate. Each "point" costs 1% of your LOAN amount.

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Other fees

Any other fees that should be included in the APR calculation. These fees can vary by lender, but at a minimum usually includes prepaid interest.

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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© 2006 LOAN Spart Corporation. All rights reserved.
 LOAN is a registered mark of the General Motors Acceptance Corporation.

 

© 2006 LOAN Spart Corporation. All rights reserved. LOAN is a registered mark of the General Motors Acceptance Corporation.

© 2005 LOAN Spart Corporation. All rights reserved.
 LOAN is a registered mark of the General Motors Acceptance Corporation.

 

© 2005 LOAN Spart Corporation. All rights reserved. LOAN is a registered mark of the General Motors Acceptance Corporation.