Calculateur de paiement hypothécaire à taux fixe (PTF)

Qu'est-ce qu'un prêt hypothécaire à taux fixe ?

Un prêt hypothécaire à taux fixe (PTF) est un type de prêt immobilier où le taux d'intérêt reste le même pendant toute la durée du prêt. Cela signifie que le paiement mensuel de l'hypothèque ne changera pas au fil du temps, offrant stabilité et prévisibilité à l'emprunteur.

Formule pour calculer le paiement hypothécaire mensuel

La formule pour calculer le paiement hypothécaire mensuel est :

\[ M = P \times \frac{r(1+r)^n}{(1+r)^n-1} \]

Où :

• \(M\) = Paiement mensuel
• \(P\) = Montant du prêt (Principal)
• \(r\) = Taux d'intérêt mensuel
• \(n\) = Nombre de paiements

Calcul étape par étape

1. Déterminer le montant du prêt (\(P\)) : \[P = \text{
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   0} \$\]
2. Calculer le taux d'intérêt mensuel (\(r\)) : \[r = \frac{\text{
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   0}}{1200} = \text{
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   0}\]
3. Calculer le nombre de paiements (\(n\)) : \[n = \text{
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   0}\]
4. Calculer le paiement mensuel (\(M\)) en utilisant la formule : \[M = \text{
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   0} \times \frac{\text{
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   0}(1+\text{
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   0})^{\text{
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   0}}}{(1+\text{
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   0})^{\text{
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   0} \$\]
5. Calculer le paiement total : \[ \text{Paiement total} = \text{
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6. Calculer l'intérêt total payé : \[ \text{Intérêt total} = \text{
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Exemple de calcul

Calculons le paiement hypothécaire mensuel pour un prêt avec les détails suivants :

• Montant du prêt (\(P\)) : 200 000 $
• Taux d'intérêt annuel : 5%
• Durée : 30 ans

En utilisant la formule, nous obtenons :

1. Montant du prêt : \(P = 200 000 \$\)
2. Taux d'intérêt mensuel : \[r = \frac{5}{1200} = 0,004167\]
3. Nombre de paiements : \[n = 30 \times 12 = 360\]
4. Paiement mensuel : \[M = 200 000 \times \frac{0,004167(1+0,004167)^{360}}{(1+0,004167)^{360}-1} = 1 073,64 \$\]
5. Paiement total : \[ \text{Paiement total} = 1 073,64 \times 360 = 386 510,40 \$\]
6. Intérêt total payé : \[ \text{Intérêt total} = 386 510,40 - 200 000 = 186 510,40 \$\]

Représentation visuelle

La partie verte de la barre représente le paiement total (386 510,40 $) par rapport au montant du prêt (200 000 $).