Home loan calculator
A mortgage calculator can allow you to perform many calculations necessary to establish a mortgage file. There are various formulas, in particular to know the monthly payments of a mortgage, to estimate its remainder to live and its debt ratio or to calculate a repurchase of credit. For an optimal use of a mortgage calculator, various criteria must be taken into account.
Home loan calculator for monthly loan payments
A monthly payment, also called maturity, corresponds to the amount of money that the borrower must pay each month to the lender to repay his loan. It can be found in the amortization table accompanying the loan offer. Each of these monthly payments includes a share of capital, interest and most often, insurance. It is important to know all this information to be able to obtain a correct result using a mortgage calculator.
The calculation of monthly mortgage payments is essential to know if they are in line with your repayment capacities. The mortgage calculator takes into account several criteria including the amount borrowed, the repayment period and the annual loan rate.
You can try to calculate your credit maturities yourself or use an online mortgage calculator. You can find it on many sites, including credit comparators.
Home loan calculator for a depreciable loan
You can do the work of a mortgage calculator yourself using the appropriate mathematical formulas. The monthly payments are calculated in several stages. In order to have the amount of each monthly payment, you can use the following formula:
M = (C * i) / (1- (1 / (1 + i) t))
M is the monthly payment, C corresponds to the borrowed capital, i represents the monthly rate and t, the duration of the loan in months.
To calculate the monthly rate, simply divide the annual percentage rate of charge (APR) by 12. Similarly, in order to obtain the duration of the loan in months, multiply by 12 the number of years corresponding to the Repayment period. This is the formula that is used in a home loan calculator.
Take for example, a mortgage of 100,000 US dollars, extending over a period of 20 years and for which the annual percentage rate of charge is 3%. We thus have:
The borrowed capital: C = 100,000
The monthly interest rate: i = 3% / 12 = 0.03 / 12 = 0.0025
The repayment period: t = 20 * 12 = 240
The monthly payment: M =
M = (C * i) / (1- (1 / (1 + i) t)) = (100,000 * 0.0025) / (1- (1 / (1 + 0.0025) 240)) = 554 , 60
In summary, for a loan of 100,000 US dollars over 20 years, with an annual interest rate of 3%, the maturities will amount to 554.60 US dollars. This formula allows you to vary the amount borrowed, the interest rate and the repayment period as you wish.
You thus have your own mortgage calculator. This formula applies in the context of an amortizable loan where the borrower repays monthly a portion of the borrowed capital and pays interest to the lender on this amount. You can always check the result obtained with an online mortgage calculator.
Home loan calculator for a loan in fine
There is another form of credit, the loan in fine. In this case, the borrower repays the entire amount borrowed at the end of the credit agreement. Some sites offer a mortgage calculator specially for loans in fine.
If we take the example given above, the borrower would have to repay 100,000 US dollars after 20 years of signing the contract while paying interest in the meantime. In such a situation, the calculation formula is simpler since the monthly payments boil down to the interest of the loan. Thus, the formula used in a mortgage calculator is:
Also in the same example, if the loan is 100,000 US dollars over 20 years, the monthly payments will be 250 US dollars.
M = 100,000 * 0.0025 = 250
Here too, a home loan calculator can help you check the result.
Annual percentage rate of charge (APR) and mortgage calculator
The APR is a fundamental criterion for a mortgage calculator. It is expressed as an annual percentage of the amount of capital borrowed. Previously, it was an indicator intended only for consumer credit, but is now the only benchmark for all bank loans. Since October 1, 2016, it is the new benchmark indicator for the total cost of a mortgage, replacing the TEG (overall effective rate). The APR includes the nominal rate which is used to calculate the interest itself, but also the various additional costs added to the credit. All are to be taken into account on a mortgage calculator. Additional costs include administrative fees, insurance costs if this is compulsory, guarantee costs, possible intermediation costs, direct debit costs and property valuation costs. Check that it is the APR that is requested on a mortgage calculator if you want to perform your calculations correctly.
The annual percentage rate of charge must be mentioned in the offers offered by banks or institutions specializing in credit, this is imposed by the Scrivener law. In addition, it cannot exceed the legal usury rate set by the Bank of United States. This is updated every quarter by the Ministry of the Economy. You can easily find this usury rate on the Bank of United States website where you can also see the average rates offered by credit organizations. A mortgage calculator can allow you to check that the rate of your credit does not exceed the rates of wear.
In the context of fixed rate loans, for example, the usury rate applying to the 4th quarter of 2016 is 3.61%. The average effective rate observed in the 3rd quarter of 2016 was 2.71%.
The APR is an essential tool in the use of a mortgage calculator and in the comparison of the different loan offers with the same repayment terms and duration given that it reflects the total cost of a loan. It is also a very good negotiating tool in the home loan application process. You can calculate the APR using a mortgage calculator, depending on the amount borrowed, the repayment period and the amount of the installments. The APR calculation formula being somewhat complicated, it is advisable to use the mortgage calculator in order to have a correct and precise result.
The APR is not necessarily very reliable with variable rate loans, however, since they generate difficult calculations. However, you can use a home loan calculator to make estimates.
The limits of the annual percentage rate of charge
The APR, which can be calculated using a mortgage calculator, is convenient and allows you to easily estimate the total cost of a mortgage. However, some weak points should be noted. The annual percentage rate of charge does not allow certain details linked to contracts to be taken into account, including the possibility of revising or extending deadlines. These criteria being important in the process of taking out a mortgage, we can say that the APR does not give a perfect representation of the different loan offers. Thus, when comparing different offers, it is imperative to pay attention to criteria other than the annual percentage rate of charge. Many points can be taken into account in a mortgage calculator.
Borrower insurance and mortgage calculator
Loan insurance covers death, disability or job loss. This is referred to as the APR (Effective Annual Insurance Rate), the value of which can be obtained by subtracting the APR without insurance from the APR including insurance. All mortgage offers to which an insurance proposal is added must mention the TAEA. Credit institutions are also required to specify the details of the guarantees that are included in the insurance offer and the costs of which are included in the TAEA. Thus, the effective annual insurance rate allows the borrower to get an idea of the share that the insurance takes in the total amount to be reimbursed. It is also a criterion to take into account when using a mortgage calculator.
Most of the time, insurance is required by establishments offering home loans. However, the lender cannot impose the choice of the organization with which the borrower will subscribe to it, the latter can turn to an institution other than the one with which he is applying for credit.
You can use a mortgage calculator if you want to know the cost of the insurance on the total amount to be repaid. Note that it is now possible to change credit insurance for 12 months following the setting up of your mortgage contract, provided that the loan offer was made after July 26, 2014 (due to the Hamon law of March 17, 2014, which is a consumer law) and that the guarantees are identical.
How to find the best loan offer using a mortgage calculator?
If you have already made your choice among the different credit offers, a home loan calculator will allow you to have a good view of the total cost of the loan. However, if you haven't made up your mind yet, there are several ways you can find the best deal. You can, if you wish, call on a broker who will do the work of research and negotiation with the various establishments offering real estate loans in order to submit to you the offer that will suit you best. It is a service that has certain advantages, however, it generates fees that you will have to pay in addition to your credit (you can add them to a home loan calculator). If you want to avoid them, you can always do your research yourself. You can contact your bank directly or contact the institutions specializing in credit of your choice. If you do not want to travel from home and save time on research work, you can also carry out these procedures online, either by going directly to the websites of credit organizations or by helping online credit comparators (while having the possibility of doing your calculations with a mortgage calculator). These have the advantage of presenting many loan offers by highlighting the best credit comparison tool, the annual percentage rate, so that you can choose the one that will be the most advantageous to you. Other elements of comparison may also be taken into account. For example, some offers are exempt from administration fees, others allow you to set up adaptable financing according to your needs, etc. Thus, online comparators can give you an overview of the different loan offers so that you can find the one that best suits your needs and your situation. You can always use a mortgage calculator to get more precise results.
Once you have chosen the most suitable credit agency for what you are looking for, you can perform loan simulations by varying criteria such as the amount borrowed and the repayment period. You can, if you wish, do it by using a mortgage calculator. This will allow you to best adapt the credit to your personal situation so that the repayment takes place under the best possible conditions. In addition, the duration of the credit often has a considerable influence on the annual percentage rate of charge (which is, let us remember, calculable using a mortgage calculator). Generally, the shorter the repayment period, the lower the APR will be and therefore the total amount to be repaid will be lower. However, if you want lower monthly payments, you will need to extend the duration. It all depends on your needs, your situation and your repayment capacity. You can use a mortgage calculator to see these variations.
When you have made your choice among the different mortgage offers and decided on the amount you want to borrow as well as the repayment period or the monthly payments most suited to your situation (remember that you can use a calculator mortgage to carry out all the calculations), you can make your request online. To do this, you will have to fill out a form where you will have to enter your personal and professional information, necessary in the process of accepting your request. Most of the time, you will be able to get an immediate policy response, based on the information you provide. If this response is positive, the credit organization will send you a loan agreement (most often by mail). You can then again use a mortgage calculator with the rate mentioned on the contract. If all the conditions are right for you, you will have to sign and return this contract, along with the required supporting documents. Subsequently, an advisor will study your file and decide whether or not to grant you the loan in question. The final answer should be communicated to you fairly quickly.
You can, if you wish, use a mortgage calculator to check the total cost of credit. If you want to do the calculation yourself, you just have to multiply the monthly payments (which can be obtained using the formula given above or using a mortgage calculator) by the repayment period in months, then to subtract from the result, the borrowed capital. If we take the example of the loan of 100,000 US dollars over a period of 20 years, with monthly payments amounting to 554.60 US dollars, we obtain a total amount to be repaid of 133,104 US dollars, the cost of the credit s 'amounting to 33,104 US dollars.
Cost of credit = (M * t) - C = 33 104
A home loan calculator can help you verify this result.
If you wish to subscribe to insurance with an establishment other than the one from which you are applying for a mortgage, you can also use an online insurance comparator to find the one that best meets your needs. level of guarantees and prices. You can use a mortgage calculator to check the cost of the insurance chosen over the term of your credit.
Home loan calculator for the rest to live
What is the rest to live for?
The remainder to live, which can be estimated using a mortgage calculator, constitutes the resources available to a household once all its charges are paid. The remainder to live thus represents the residual income available to a family to meet ordinary expenses and it is the best indicator of the standard of living of a household. A household with an outstanding amount of less than US $ 400 per month per person is considered to be in a situation of over-indebtedness.
The members of the household entering into the calculation of the remainder to live include the head of the family, the spouse, dependent children, disabled persons living under the same roof and adult children attached under the same notice. taxation. Are included in household income: wages, unemployment benefits, RMI, pensions received, pensions, property income, family allowances ... All this is to be taken into account by using a mortgage calculator On It may be noted that sometimes the housing allowance is paid directly to the landlord and thus deducted from the rent payable by the tenant. In this case, housing allowance cannot be taken into account in household income.
Charges include money spent by a family on a fixed and regular basis, with no possibility of reduction. These include rent, housing charges (insurance, water, electricity and heating), alimony paid, repayments of real estate loans and consumer loans, co-ownership charges. , home insurance, car insurance, mutual insurance, property tax, housing tax, telephony ... However, variable expenses such as food or gasoline for example, are not included in these charges . Thus, they are not to be taken into account if you use a home loan calculator.
Calculation of the remainder to live with a mortgage calculator
To calculate your remaining living you can use a home loan calculator or you can also do the calculations yourself.
If you don't want to use an online mortgage calculator, here's how to calculate your remaining living:
First add up all of your family's income. At the same time, add up all your household charges. Then, you just need to subtract these charges from the income and divide the amount obtained by the number of people living in your household. Thus, the formula to use, which can be found in a home loan calculator, is as follows:
Remainder to live = (Household income - Household expenses) / Number of people living in the household
Remember that for the remainder to be considered correct, it must be at least 400 US dollars per month and per person living in the household.
Examples of remainder to live with a mortgage calculator
The rest to live for a tenant
Take the example of a single person whose monthly salary income is US $ 1,500. Suppose that the charges include 600 US dollars in rent and housing charges and taxes amounting to 100 US dollars. All these criteria must be taken into account to properly use a home loan calculator.
Remainder to live = (1500- (600 + 100)) / 1 = 800
Thus, the remainder of this person's living is US $ 800 and is considered high.
The rest to live for an owner
Take the example of a family made up of a married couple and two children who own a home. Suppose the household's monthly wage income is US $ 2,900 and the family allowance is US $ 130 per month. The charges include 300 US dollars in mortgage, 200 US dollars in taxes, 60 US dollars in insurance and 120 US dollars in housing charges.
Remainder to live = ((2900 + 130) - (300 + 200 + 60 + 120)) / 4 = 587.5
Thus, the remainder of the household is US $ 587.5 per person per month, which is considered sufficient.
Do not hesitate to use a mortgage calculator to check your calculations and be sure of the amount of your remainder to live.
Home loan calculator for the debt ratio
What is the debt ratio?
The debt ratio is the ratio between disposable income and monthly financial charges. It can be estimated using a mortgage calculator and this gives a limit to what a household can borrow apart from the estimate of the remainder to be lived. It should not exceed one third of the income. It is a way for lending organizations to measure a household's ability to repay a loan. Most of the time, banks refuse to grant loans to households whose debt ratio exceeds 33%. If loans are already in progress, the rate obtained using a mortgage calculator will be higher, which will reduce the possibility of being able to borrow again.
The 33% limit may however be exceeded in certain cases where incomes are very high, making the remainder to be lived sufficiently large to meet ordinary expenses such as food or clothing. Thus, if you use a mortgage calculator for the debt ratio, do not forget to calculate your remainder to live as well.
The level of the debt ratio conditions the decision to grant a loan by a credit organization but not only. On the other hand, it also influences the rate of credit. It is the basic element of the mortgage application which makes the role of a mortgage calculator consistent.
How does a mortgage calculator calculate the debt ratio?
The process used by a home loan calculator is quite simple and involves several steps which will be described below so that you can do these calculations yourself.
- Calculating monthly income
To calculate your monthly household income, first take the tax base mentioned on your last tax notice. Then add up the amounts recorded on your last three payslips. Finally, add the two amounts obtained and divide this sum by 15. This result is considered to be equivalent to income by banks and various credit organizations and it is the one that you will need to enter on a mortgage calculator if you are there. have recourse. It should be noted that all the income found on the payslips is not necessarily taken into account since some are not considered to be sustainable.
- Calculation of the amount of current monthly payments
A home loan calculator can allow you to add up all your maturities. For this, you can use the amortization tables of all your current loans including mortgage loans and consumer loans. Mortgage loans intended to finance the rental are not taken into account here. Then add all the amounts in the monthly payment column of your amortization tables. These can be requested from loan organizations without incurring any costs. To find them you can either make a request by email, or go to your customer account on the establishment's website, or by going directly to the site.
The calculation and analysis of the debt ratio
Thanks to a mortgage calculator, you can easily calculate your debt ratio. To do it yourself, you need to do it in two steps. First of all, you have to calculate the debt ratio excluding rental investment. Using the result obtained previously with the sum of the monthly payments of your credits, perform the following calculation:
Sum of monthly payments / Sum of monthly income
The result should be interpreted as a percentage (this is how you will get it using a mortgage calculator). For example, for a total amount of monthly payments of 300 US dollars in a household with a monthly income of 2000 US dollars, we obtain the following result:
Sum of monthly payments / Sum of monthly income = 300/2000 = 0.1 which is equivalent to 10%
Then, you have to calculate the debt ratio on rental investment. For this, you can follow the following formula, used in a mortgage calculator:
(Monthly loan payments - (gross rents * 70%)) / Sum of monthly income
It is a calculation that is established according to the income compensation method and that you will find in a mortgage calculator. The calculation according to the method of non-compensation of income, practiced by some banks, always results in high debt ratios which is very disadvantageous for the borrower.
Finally, add the two debt ratios obtained:
Overall debt ratio = Debt ratio excluding rental investment + Debt ratio on rental investment
To calculate the debt ratio generated by your new loan, you just have to divide the monthly payments of this loan by your income:
New loan monthly payments / Income
You can then analyze the debt ratio that you will have obtained. If this debt ratio calculated previously, added to the debt ratio that will be provided to the new loan of which you are applying, exceeds 33%, it is very unlikely that a lending financial institution will decide to grant you a mortgage. A home loan calculator can help you estimate your borrowing capacity.
Do not hesitate to check your calculations using a mortgage calculator to avoid making a mistake. Of course, the ideal would be to have a debt ratio as close to 0% as possible, which would improve your chances of obtaining a loan at an attractive rate.
Too low a remainder to live can lead to debt, then to over-indebtedness, which is why it is important to carry out the necessary calculations to assess your situation, using for example, a mortgage calculator.
What to do with too high a debt ratio?
If the debt ratio obtained using a mortgage calculator exceeds 33%, there are still solutions to remedy such a situation. It is possible for you to consolidate credits in order to have lower monthly payments or, you can also make a loan smoothing, that is to say, adjust downward the monthly payments of the new loan during the time it takes you to repay the credits you already have outstanding.
What are the differences between the rest to live and the debt ratio?
You can calculate your remaining living and your debt ratio using a mortgage calculator. However, there is a notable difference between these two criteria.
Let us take two examples of households each made up of two adults and two children, all of whom own their main residence. The first family has a monthly income of 2,000 US dollars. The monthly loan payments to be paid are 500 US dollars. Thus, the debt ratio is 25%. The amount of the remainder to live is 1,500 US dollars which is equivalent to 375 US dollars per person per month.
The second family has a monthly income of US $ 3,000 and has to pay monthly loan payments of US $ 1,000. Here the debt ratio is 33% and the amount of the remainder to live is 2000 US dollars, that is to say 500 US dollars per person per month.
Ultimately, it is the second family that is the most in debt, however, it is the one that is in the best position to obtain credit, the remainder to be lived being higher than that of the first family.
Thus, it is important to know the remainder to live and the debt ratio before applying for credit. You can use a home loan calculator to be sure of the result.
What are the necessary elements to establish a mortgage file?
Before establishing your mortgage report, you must first become aware of your borrowing capacity by calculating your debt ratio, using, for example, a mortgage calculator. You then need to find the property you want to buy and sign a promise to sell. Thus, whether in the context of the purchase of an apartment or a house, you will have to present the elements relating to this property in your file. As part of a purchase of real estate, you need, first of all, a sales agreement. If you ever want to do work or build, you will need the builders' quotes, a sales agreement for the land if you ever buy one, a title deed for the property in which you want to carry out work, the contact details of the notary.
Regarding your personal and professional situation, you will need a valid document justifying your identity (passport, national identity card, etc.), proof of current address (EDF bill, gas bill, etc.), both latest tax notices, the last three payslips or proof of income for the last quarter with an accountancy certificate.
You will also need documents relating to your assets, including the title deed of property, current credit contracts, the last three bank statements. Do not forget to calculate the amount of your outstanding loans beforehand, using for example a mortgage calculator.
Home loan calculator and income calculation for employees
Calculating your income is an important step when you want to know your remainder to live as well as your debt ratio. Ces derniers peuvent être obtenus à l'aide d'une calculette prêt immobilier dans laquelle il vous faudra mentionner vos revenus. N'oubliez pas que parmi vos revenus, certains sont pris en compte mais ce n'est pas le cas pour d'autres. En effet, seuls les revenus considérés comme étant pérennes (ceux qui se renouvelleront dans les années à venir) sont pris en compte par les banques et les sociétés de crédit. Les frais de déplacement, les primes exceptionnelles et les heures supplémentaires ne sont pas considérés comme étant des revenus pérennes. Les banques et les établissements spécialisés dans le crédit considèrent que seuls les revenus imposables sont durables dans le temps. Ainsi, c'est le salaire fixe qui figure sur votre avis d'imposition qui est l'élément déterminant pour calculer votre capacité d'emprunt et c'est celui qu'il vous faudra rentrer sur une calculette prêt immobilier.
Il faut noter que si jamais vous percevez des primes d'intéressement sur les résultats, une moyenne sur 3 ans sera effectuée par les banques et les organismes de crédit. Ce sera le cas par exemple si vous percevez un salaire fixe auquel s'ajoute une commission sur les ventes (ce qui est souvent le cas pour les personnes travaillant dans le commerce). Une calculette prêt immobilier peut vous aider à effectuer ces calculs. Toutefois, si une personne travaille dans le secteur depuis moins de trois ans, seul le salaire fixe sera pris en compte, les commissions n'entreront pas dans l'équation. Les banques et les établissements spécialisés dans le crédit ont pour base le contrat de travail qui permet de connaître les conditions de rémunération. A cela s'ajoute la pertinence des ressources.
Si vous souhaitez entrer vos revenus dans une calculette prêt immobilier, n'oubliez pas d'ajouter à votre salaire fixe les diverses sources de revenus telles les retraites (prenez en compte l'âge que vous aurez au fil des années de remboursement de votre prêt), la pension d'invalidité permanente (versée à vie), les indemnités d'assurance permanentes (bien que non imposables, ce sont des sources de revenus pérennes). Il vous est aussi possible d'ajouter des pensions qui ne sont pas permanentes si jamais vous allez tout de même les percevoir pendant toute la durée du crédit. Dans le cas contraire, par exemple, si vous avez une pension d'invalidité qui se terminera une fois que vous serez rétabli, celle-ci ne sera pas prise en compte étant donné qu'il y a des chances pour qu'elle prenne fin alors que votre contrat de crédit est en cours. Ainsi, n'en tenez pas compte lorsque vous utiliserez une calculette prêt immobilier.
Vous pouvez aussi noter tout ce qui peut vous servir d'argument dans la négociation du prêt. Même si les revenus en question ne seront pas pris en compte par les banques et les établissements de crédit, ils pourront tout de même s'ajouter à votre reste à vivre. Ainsi, n'oubliez pas de signaler vos allocations familiales, vos allocations au logement et les pensions alimentaires perçues. Essayez de les rentrer sur une calculette prêt immobilier pour voir les changements dans votre reste à vivre.
Calculette prêt immobilier pour un regroupement de crédit
En quoi consiste le regroupement de crédit?
Le regroupement de crédit, aussi appelé rachat de crédit offre la possibilité de corriger une situation d'endettement excessif. Estimable à l'aide d'une calculette prêt immobilier, le rachat de crédit peut être une bonne solution dans le cas où vous vous retrouvez dans la difficulté de payer les mensualités de vos crédits en cours. Cela peut être un bon moyen de résoudre le problème d'insolvabilité d'un foyer. Le but du regroupement de crédit est de diminuer le montant total des échéances à payer pour rembourser les prêts auxquels une famille a souscrit. Il permet de réduire les mensualités, en allongeant en contrepartie, la durée de remboursement. Ainsi, le rachat de crédit permet de réunir tous les prêts existants d'un foyer en un seul et unique crédit dont le taux peut parfois être moins élevé mais remboursable sur une durée plus longue en fonction de la situation personnelle et professionnelle de l'emprunteur.
Il est possible de faire le calcul d'un regroupement de crédit à l'aide d'une calculette prêt immobilier. Pour cela, il faut d'abord connaître le type de rachat de crédit. Cela peut être un regroupement de plusieurs crédits à la consommation, un regroupement de crédits immobilier et à la consommation, un rachat de crédit professionnel ou un rachat de crédit par achat/vente à réméré. Parmi les dettes ayant la possibilité d'être regroupées on retrouve le prêt immobilier, le crédit renouvelable, le prêt personnel, le découvert, la dette familiale ou même un retard d'impôt ou de loyer. N'oubliez pas de tous les ajouter lors de l'utilisation d'une calculette prêt immobilier.
Le rachat de crédit présente des avantages considérables. C'est une bonne solution dans le cas où l'emprunteur se retrouve dans une accumulation de dettes, si jamais il survient un accident de la vie qui l'empêche d'honorer ses dettes ou s'il ne peut pas les payer par insuffisance d'actif. Pour faire une demande de rachat de crédit, vous devez vous adresser à une banque ou un organisme financier différent de celui qui vous a accordé vos crédits précédents. L'organisme financier choisi pourra alors reprendre ces crédits et les regrouper sous un contrat unique. Vous vous retrouverez ainsi avec des mensualités moins élevées (le montant peut parfois baisser jusqu'à 60 %) sur une durée plus longue ce qui vous permettra d'avoir un reste à vivre plus élevé. N'hésitez pas à utiliser une calculette prêt immobilier pour vérifier le pourcentage de baisse.
Vous pouvez trouver des offres de regroupement de crédit auprès des banques traditionnelles ou des établissements spécialisés dans le crédit. Il est aussi possible, comme pour les autres prêts, d'effectuer votre demande en ligne.
Il est conseillé de faire des simulations en ligne ou d'avoir recours par exemple, à une calculette prêt immobilier afin de mettre en accord la demande de prêt avec vos besoins.
Calculer un regroupement de crédit
Pour calculer un rachat de crédit, vous pouvez vous aider d'une calculette prêt immobilier. Autrement, le calcul est simple et peut être effectué grâce aux tableaux d'amortissement de vos crédits en cours.
Pour commencer, il est important de détailler le coût du crédit. Celui-ci est composé tout d'abord des intérêts qui, dans le cadre d'un crédit amortissable, sont appliqués sur le capital restant dû ou alors, sur le capital emprunté s'il s'agit d'un crédit in fine. Ensuite, on retrouve les frais de dossier qui représentent le coût de l'étude d'une demande (ils peuvent être négociables). Enfin, viennent les frais d'assurance qui permettent d'avoir une garantie de prise en charge des échéances si jamais l'emprunteur est victime d'un accident de la vie, d'une maladie ou d'une perte d'emploi. Cette assurance n'est pas obligatoire, toutefois, la plupart des organismes financiers refuseront l'octroi d'un prêt si elle n'est pas présente. Tous ces éléments sont à prendre en compte dans l'utilisation une calculette prêt immobilier.
Pour procéder au calcul d'un regroupement de crédit, calculez tout d'abord le coût de vos crédits restants. Pour cela, il vous suffit de relever les mensualités en cours sur votre relevé de compte. Ces mensualités incluent celles des prêts immobiliers, des crédits à la consommation et des avances de trésorerie. Ensuite, il vous faudra obtenir les tableaux d'amortissement de vos crédits en cours en contactant les prêteurs auprès desquels vous avez souscrit à un contrat de prêt. Une fois que vous avez tous les tableaux d'amortissement, il vous suffit d'additionner tous les intérêts suivant la date de la prochaine mensualité. Le coût des prêts restants est représenté par la somme de tous les intérêts à venir. Une calculette prêt immobilier peut être utile dans ce processus.
Pour calculer le montant du regroupement de prêt, il vous faut reprendre les tableaux d'amortissement et additionner les montants présents dans la colonne «capital restant dû» de chaque prêt, à la date de la dernière mensualité payée. Vous obtiendrez ainsi le montant restant qu'il vous faut rembourser.
Ensuite, il vous faudra contacter une banque ou une société de crédit pour leur demander un devis de regroupement de prêt. Si le taux de ce dernier est moins élevé que celui des crédits restants, une demande de rachat de crédit auprès de l'organisme de crédit en question vous sera avantageuse. Vous pouvez vous aider d'une calculette prêt immobilier pour être sûr d'obtenir des chiffres précis.