新西兰银行官网计算的还贷金额和Broker计算的差好多
在新西兰
770比较靠谱
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https://www.sorted.org.nz/calculators/mortgage-repayment
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还多少年啊？你的broker要是给你按还20年算当然每周还的多啊
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user excel to calculate by yourself
= pmt (rate, number of years, total amount) - this is how much you pay each year.
for example,
=PMT(0.058,30,550000) = 39000, about 752 per week. - the actual amount will be slightly different.
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it is interest + some principle.
for interest only, it is easy: 550000 * 0.058 / 52 =613.
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broker算错了吧，银行那个对
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因为利率是阶梯式递减的，也就是你还款的最后一周利息是351*0.058约21刀，平均下就是611+21=632/2=316
也就是351+316=677 当然这个利息是估算，但你的算法就是利息一直按55W的算。所以会高这么多