土地ローンの支払いを正確に計算。詳細な返済スケジュールを取得し、ローンのシナリオを即座に比較。
支払い内訳
償却計算式
PMT = P x [r(1+r)^n] / [(1+r)^n - 1]
P = 元金、r = 期間ごとの利率、n = 支払い回数
Land loan interest rates typically range from 4% to 10%, depending on the lender, your credit score, down payment, and whether the land is improved or raw. Farm land loans through USDA programs may offer lower rates.
Most lenders require 20-50% down payment for raw land loans. Improved land or farm land may qualify for lower down payments through specialized agricultural lenders or USDA Farm Service Agency loans.
A land loan finances the purchase of vacant or undeveloped land, while a mortgage finances land with an existing structure. Land loans typically have higher interest rates, shorter terms, and require larger down payments.
Amortization spreads your loan payments over time so each payment covers both interest and principal. Early payments are mostly interest, while later payments are mostly principal. The amortization schedule shows this breakdown for every payment period.
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