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g Category .第一个是用于借款人要考虑合并非抵押贷款债务纳入其新的房屋抵押贷款。 The second type of mortgage calculator is for those who want to consider refinancing their mortgage by cash-out or by taking another mortgage.第二种类型的抵押贷款计算器，是为那些想考虑转按揭现金出，或采取另一种抵押贷款。 The third kind is for borrowers who already have 2 mortgages and are considering other options to help pay off the 1st mortgage.第三类是为借款人，已经有2位抵押贷款，并正在考虑其他方案，以帮助还清第一次贷款。 Mortgage Refinance Calculator 抵押贷款再融资计算器
This type of mortgage calculator can be applied to a borrower who wants to refinance a mortgage or 2 mortgages.这种类型的按揭计算器，可用于借款人要想再融资抵押或二日按揭贷款。 Other calculators are used to determine if refinancing one mortgage into two can reduce costs while others are used to determine if cash-out refinancing is better than deciding to take on a second mortgage.其他计算器来决定，如果再融资的一个按揭成两个，可以降低成本，而有些则是用来确定，如果现金-再融资优于决定采取对第二按揭。
Should I Refinance? 我应该再融资？
Monthly Payments on a Mortgage 每月发放福利金以按揭方式
The type of mortgage calculator to be used to calculate monthly payments on a mortgage will depend on the terms you choose.类型按揭计算器被用来计算每月发放福利金以按揭方式将取决于有关条款，你选择。 There is a mortgage calculator for fixed rate mortgages, adjustable rate mortgages without negative amortizations, adjustable rate mortgages with negative amortizations, adjustable rate mortgages with flexible amortizations and mortgage payments with temporary buy downs.有一个按揭计算器，为固定利率抵押贷款，浮动利率无负摊还，可调整利率负摊还，可调整利率与灵活摊还和按揭付款暂时买跌。
What Will My Payment Be? 如何将我的付款？
Mortgage Prepayment Calculator 按揭预付计算器
This kind of calculator will help you determine how much interest can be saved should you decide to pay an additional amount for the principal value during payment.这种计算器将帮你定多少利息可以节省你是要决定付出额外的金额为主要价值在付款。 The mortgage calculator varies depending on the number of payments a borrower is willing to give.按揭计算器不同，要视乎有多少支付借款人是愿意给。 These are extra monthly payments, bi-weekly payments applied monthly, bi-weekly payments applied bi-weekly and extra monthly payments to be paid in a specific period.这些都是额外的每月还款，每两周一次付款申请每月，每两个星期支付应用双向每周和每月额外支付，以支付在一个特定的时期。
Amortization Calculator 摊销计算器
There are 2 kinds of mortgage calculators to determine amortizations.有2种按揭计算器，以确定摊还。 One determines the savings a borrower can have on his tax on the interests and the second mortgage calculator determines the appreciation of property being mortgaged.其中确定了储蓄借款人能够对他的减税对利益和第二按揭计算器决定赞赏财产抵押。
APR Mortgage Calculator 四月按揭计算器
An APR mortgage calculator helps you calculate and compare the APRs or Annual Percentage Rates of different types of mortgage loans. 4月的一个按揭计算器帮助你计算和比较年利率或年度百分比率不同类型的按揭贷款。 To use an APR mortgage calculator, you need to fill in the loan amount and the quoted interest rate.使用四月按揭计算器，你需要填写贷款数额和所引述的利息。 Say for example, you take in a 30-year loan for $20,000 at 4.5% interest rate.说，例如，你可以在30年的贷款为20,000元，税率为百分之四点五的利息。 Percentage of discount points is 2.0% with a closing fee of $1,000.百分比的折扣点是2.0 ％ ，与闭幕费1,000元。 When you calculate this using the APR mortgage calculator, you'll find that the annual interest rate of this loan is 5.5275%.当你计算出这个用年利率按揭计算器，你会发现，每年的利息率，这笔贷款是5.5275 ％ 。
ARM vs. Fixed Mortgage Calculator 臂与固定房贷计算器
Different financial situations require different types of mortgage.不同的金融形势，要求不同类型的房屋抵押贷款。 An adjustable rate mortgage is good when the loan term that you want is short.可调整利率抵押贷款是好的，当贷款而言，你要的是短期的。 On the other hand, fixed rate mortgages might give you the certainty that you need when it looks like interest rates are rising.另一方面，关于固定利率抵押贷款可能给你肯定你需要时，它看起来像利率上升。 Use ARM vs. fixed rate mortgage calculators to find out which mortgage suits you.使用臂与固定利率抵押贷款计算器，以找出其中的按揭适合你。 An ARM vs. fixed rate mortgage calculator would require you to fill in the details both mortgages.手臂与固定利率抵押贷款计算器将要求你填写在细节都抵押。 Once done, the mortgage calculator will help you determine how much you can save with either mortgage types.曾经做了，按揭计算器将帮你定多少，你可以节省无论是抵押贷款种类。
For example, you decide to take out a loan of $105,000 payable in 30 years.例如，你决定借取贷款的105 000美元支付，在30年。 The fixed rate mortgage interest rate is 7.5% while the ARM interest rate is 4% with an adjustable period of one year.固定利率抵押贷款的利率是百分之七点五，而手臂利率是百分之四，带有一个可调节的任期是一年。 Maximum cap period of the ARM loan is 0.5% while the lifetime cap is 4%.最高上限时期的手臂贷款是0.5 ％ ，而寿命上限是4 ％ 。 Once you put in these details into the mortgage calculator, you can start estimating your savings on each mortgage.一旦你把这些细节问题到抵押计算器，你可以开始估算您的储蓄对每个贷款。 The mortgage calculator will show you that with a fixed rate loan, you will be paying $734.18 monthly and no savings.按揭计算器会告诉你，有了固定利率贷款，你将付出734.18美元按月，没有积蓄。 On the one hand, the mortgage calculator will also show you that ARM loan will have you paying up to $663.67 monthly with cumulative savings up to $11,024.46.就一方面，按揭计算器也将显示你手臂贷款将有你付出最多663.67美元每月累积储蓄增加至11,024.46 。
Points 点
The mortgage calculator to compute points and fees in a mortgage is used to determine the rate of return of ARMs (Adjustable Rate Mortgages) and FRMs (Flexible Rate Mortgages) and the amount that can be saved or lost by using paying points for interest reduction on FRMs.按揭计算器来计算点和收费抵押，是用来确定回报率的武器（浮动利率）和财政资源管理处（可变利率抵押贷款）及数额，可以省却或失去用支付点利息就减少财政资源管理处。
Should I Pay Points for a Lower Rate? 我应该付点低利率？
Comparison Mortgage Calculators 比较按揭计算器
As the name itself suggests, this mortgage calculator allows you to compare several mortgage types and find out what suits you best.作为这一车型的名字本身表明，这种按揭计算器让您比较几种抵押贷款的种类和找出什么适合你最好的。 There are different types of calculators that compare the various mortgages that include amortizations and non-amortizations, government and non-government loans, fixed rate and adjustable interests.有许多不同类型的计算器比较各种抵押贷款，其中包括摊还和非摊还，政府机构和非政府贷款，固定利率和可调整的利益。
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