NumNinja.com - 홈 모기지 초과 지급 계산기

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최근 업데이트: 2023년 11월 4일

내가 일찍 모기지를 지불하면 얼마나 절약합니까?

- 연혁%

월간 결제

€59.04

모기지 정리

18 - 연혁 11 1 개월 전 상세 정보

제품 정보 €5,943.74

총 결제

€11,769.19

월 ~ 월나머지과금으로
0 €10,000.00 €9,883.46
1 €9,983.46 €9,766.42
2 €9,966.84 €9,648.88
3 €9,950.16 €9,530.85
4 €9,933.40 €9,412.31
5 €9,916.58 €9,293.27
6 €9,899.68 €9,173.72
7 €9,882.71 €9,053.67
8 €9,865.67 €8,933.10
9 €9,848.56 €8,812.03
10 €9,831.37 €8,690.43
11 €9,814.11 €8,568.32
12 €9,796.78 €8,445.70
13 €9,779.37 €8,322.55
14 €9,761.89 €8,198.88
15 €9,744.33 €8,074.68
16 €9,726.70 €7,949.95
17 €9,709.00 €7,824.70
18 €9,691.22 €7,698.91
19 €9,673.36 €7,572.59
20 €9,655.43 €7,445.73
21 €9,637.42 €7,318.33
22 €9,619.34 €7,190.39
23 €9,601.18 €7,061.90
24 €9,582.94 €6,932.87
25 €9,564.63 €6,803.29
26 €9,546.23 €6,673.17
27 €9,527.76 €6,542.48
28 €9,509.21 €6,411.25
29 €9,490.58 €6,279.45
30 €9,471.87 €6,147.10
31 €9,453.09 €6,014.18
32 €9,434.22 €5,880.69
33 €9,415.27 €5,746.64
34 €9,396.24 €5,612.02
35 €9,377.13 €5,476.83
36 €9,357.94 €5,341.07
37 €9,338.67 €5,204.72
38 €9,319.32 €5,067.80
39 €9,299.88 €4,930.29
40 €9,280.36 €4,792.20
41 €9,260.76 €4,653.53
42 €9,241.08 €4,514.26
43 €9,221.31 €4,374.41
44 €9,201.46 €4,233.95
45 €9,181.52 €4,092.90
46 €9,161.50 €3,951.26
47 €9,141.39 €3,809.01
48 €9,121.20 €3,666.15
49 €9,100.92 €3,522.69
50 €9,080.56 €3,378.62
51 €9,060.11 €3,233.93
52 €9,039.57 €3,088.63
53 €9,018.94 €2,942.72
54 €8,998.23 €2,796.18
55 €8,977.43 €2,649.02
56 €8,956.54 €2,501.24
57 €8,935.56 €2,352.82
58 €8,914.50 €2,203.78
59 €8,893.34 €2,054.10
60 €8,872.09 €1,903.79
61 €8,850.76 €1,752.84
62 €8,829.33 €1,601.25
63 €8,807.81 €1,449.01
64 €8,786.20 €1,296.12
65 €8,764.50 €1,142.59
66 €8,742.70 €988.40
67 €8,720.82 €833.56
68 €8,698.84 €678.06
69 €8,676.77 €521.90
70 €8,654.60 €365.07
71 €8,632.34 €207.58
72 €8,609.98 €49.42
73 €8,587.53 €0.00
74 €8,564.98 €0.00
75 €8,542.34 €0.00
76 €8,519.60 €0.00
77 €8,496.77 €0.00
78 €8,473.84 €0.00
79 €8,450.81 €0.00
80 €8,427.68 €0.00
81 €8,404.46 €0.00
82 €8,381.13 €0.00
83 €8,357.71 €0.00
84 €8,334.19 €0.00
85 €8,310.56 €0.00
86 €8,286.84 €0.00
87 €8,263.02 €0.00
88 €8,239.09 €0.00
89 €8,215.06 €0.00
90 €8,190.93 €0.00
91 €8,166.70 €0.00
92 €8,142.37 €0.00
93 €8,117.93 €0.00
94 €8,093.39 €0.00
95 €8,068.74 €0.00
96 €8,043.99 €0.00
97 €8,019.14 €0.00
98 €7,994.17 €0.00
99 €7,969.11 €0.00
100 €7,943.93 €0.00
101 €7,918.65 €0.00
102 €7,893.26 €0.00
103 €7,867.76 €0.00
104 €7,842.16 €0.00
105 €7,816.45 €0.00
106 €7,790.62 €0.00
107 €7,764.69 €0.00
108 €7,738.65 €0.00
109 €7,712.49 €0.00
110 €7,686.23 €0.00
111 €7,659.85 €0.00
112 €7,633.36 €0.00
113 €7,606.76 €0.00
114 €7,580.05 €0.00
115 €7,553.22 €0.00
116 €7,526.28 €0.00
117 €7,499.22 €0.00
118 €7,472.05 €0.00
119 €7,444.76 €0.00
120 €7,417.36 €0.00
121 €7,389.84 €0.00
122 €7,362.20 €0.00
123 €7,334.45 €0.00
124 €7,306.58 €0.00
125 €7,278.59 €0.00
126 €7,250.48 €0.00
127 €7,222.25 €0.00
128 €7,193.90 €0.00
129 €7,165.43 €0.00
130 €7,136.84 €0.00
131 €7,108.13 €0.00
132 €7,079.30 €0.00
133 €7,050.34 €0.00
134 €7,021.26 €0.00
135 €6,992.06 €0.00
136 €6,962.73 €0.00
137 €6,933.28 €0.00
138 €6,903.70 €0.00
139 €6,874.00 €0.00
140 €6,844.17 €0.00
141 €6,814.22 €0.00
142 €6,784.13 €0.00
143 €6,753.92 €0.00
144 €6,723.59 €0.00
145 €6,693.12 €0.00
146 €6,662.52 €0.00
147 €6,631.79 €0.00
148 €6,600.93 €0.00
149 €6,569.95 €0.00
150 €6,538.82 €0.00
151 €6,507.57 €0.00
152 €6,476.19 €0.00
153 €6,444.67 €0.00
154 €6,413.01 €0.00
155 €6,381.23 €0.00
156 €6,349.30 €0.00
157 €6,317.24 €0.00
158 €6,285.05 €0.00
159 €6,252.72 €0.00
160 €6,220.25 €0.00
161 €6,187.64 €0.00
162 €6,154.90 €0.00
163 €6,122.01 €0.00
164 €6,088.99 €0.00
165 €6,055.82 €0.00
166 €6,022.52 €0.00
167 €5,989.07 €0.00
168 €5,955.48 €0.00
169 €5,921.75 €0.00
170 €5,887.87 €0.00
171 €5,853.85 €0.00
172 €5,819.69 €0.00
173 €5,785.38 €0.00
174 €5,750.92 €0.00
175 €5,716.32 €0.00
176 €5,681.57 €0.00
177 €5,646.67 €0.00
178 €5,611.63 €0.00
179 €5,576.44 €0.00
180 €5,541.09 €0.00
181 €5,505.60 €0.00
182 €5,469.96 €0.00
183 €5,434.16 €0.00
184 €5,398.21 €0.00
185 €5,362.11 €0.00
186 €5,325.86 €0.00
187 €5,289.45 €0.00
188 €5,252.89 €0.00
189 €5,216.17 €0.00
190 €5,179.29 €0.00
191 €5,142.26 €0.00
192 €5,105.07 €0.00
193 €5,067.73 €0.00
194 €5,030.22 €0.00
195 €4,992.56 €0.00
196 €4,954.73 €0.00
197 €4,916.75 €0.00
198 €4,878.60 €0.00
199 €4,840.29 €0.00
200 €4,801.82 €0.00
201 €4,763.18 €0.00
202 €4,724.38 €0.00
203 €4,685.42 €0.00
204 €4,646.29 €0.00
205 €4,606.99 €0.00
206 €4,567.53 €0.00
207 €4,527.90 €0.00
208 €4,488.10 €0.00
209 €4,448.13 €0.00
210 €4,407.99 €0.00
211 €4,367.68 €0.00
212 €4,327.20 €0.00
213 €4,286.55 €0.00
214 €4,245.72 €0.00
215 €4,204.73 €0.00
216 €4,163.55 €0.00
217 €4,122.20 €0.00
218 €4,080.68 €0.00
219 €4,038.98 €0.00
220 €3,997.10 €0.00
221 €3,955.05 €0.00
222 €3,912.81 €0.00
223 €3,870.40 €0.00
224 €3,827.81 €0.00
225 €3,785.03 €0.00
226 €3,742.07 €0.00
227 €3,698.93 €0.00
228 €3,655.61 €0.00
229 €3,612.11 €0.00
230 €3,568.41 €0.00
231 €3,524.54 €0.00
232 €3,480.47 €0.00
233 €3,436.22 €0.00
234 €3,391.78 €0.00
235 €3,347.15 €0.00
236 €3,302.34 €0.00
237 €3,257.33 €0.00
238 €3,212.13 €0.00
239 €3,166.74 €0.00
240 €3,121.15 €0.00
241 €3,075.37 €0.00
242 €3,029.40 €0.00
243 €2,983.23 €0.00
244 €2,936.87 €0.00
245 €2,890.31 €0.00
246 €2,843.55 €0.00
247 €2,796.59 €0.00
248 €2,749.43 €0.00
249 €2,702.08 €0.00
250 €2,654.52 €0.00
251 €2,606.75 €0.00
252 €2,558.79 €0.00
253 €2,510.62 €0.00
254 €2,462.25 €0.00
255 €2,413.67 €0.00
256 €2,364.89 €0.00
257 €2,315.89 €0.00
258 €2,266.69 €0.00
259 €2,217.28 €0.00
260 €2,167.66 €0.00
261 €2,117.83 €0.00
262 €2,067.79 €0.00
263 €2,017.54 €0.00
264 €1,967.07 €0.00
265 €1,916.38 €0.00
266 €1,865.49 €0.00
267 €1,814.37 €0.00
268 €1,763.04 €0.00
269 €1,711.49 €0.00
270 €1,659.72 €0.00
271 €1,607.73 €0.00
272 €1,555.52 €0.00
273 €1,503.09 €0.00
274 €1,450.43 €0.00
275 €1,397.55 €0.00
276 €1,344.45 €0.00
277 €1,291.12 €0.00
278 €1,237.56 €0.00
279 €1,183.78 €0.00
280 €1,129.77 €0.00
281 €1,075.53 €0.00
282 €1,021.06 €0.00
283 €966.35 €0.00
284 €911.42 €0.00
285 €856.25 €0.00
286 €800.84 €0.00
287 €745.20 €0.00
288 €689.33 €0.00
289 €633.21 €0.00
290 €576.86 €0.00
291 €520.27 €0.00
292 €463.44 €0.00
293 €406.36 €0.00
294 €349.05 €0.00
295 €291.49 €0.00
296 €233.68 €0.00
297 €175.63 €0.00
298 €117.34 €0.00
299 €58.79 €0.00
300 €0.00 €0.00

주택담보대출을 초과상환한다는 것은 월 상환액을 필요 이상으로 상환하는 것을 의미합니다. 이 추가 상환은 주택담보대출의 미상환 잔액을 감소시킬 수 있으며, 이로써 주택담보대출의 기간을 단축시킬 수 있습니다.

초과 상환을 하면 추가 자금이 직접 원금을 감소시키는 데 사용됩니다. 원금 잔액이 감소함에 따라 남은 잔액에 대한 부과된 이자도 감소됩니다. 이 효과는 시간이 지남에 따라 기하급수적으로 커집니다. 주택담보대출을 꾸준히 초과 상환하면 대출 수명 동안 납부되는 총 이자뿐만 아니라 주택담보대출 상환 기간을 단축시킬 수 있습니다. 이는 빨리 주택담보대출을 상환하려는 집주인들에게 효과적인 전략입니다.

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