Calculate remaining balance, Financial Management

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Your family purchased a house three years ago. When you bought the house you financed it with a $160,000 mortgage with an 8.5% nominal interest rate (compounded monthly). The mortgage was for 15 years (180 months). What is the remaining balance on your mortgage today?

With a financial calculator, enter the following:

PV = - $160,000,   N = 180 months,   I/Y = 8.5 / 12 months = .71 - 1 = 29%,   CPT PMT = $1,142.24 monthly payments

1 year = 12 months x 15 years = 180 payments

Subtract 3 years of payments (3 x 12 = 36 months)

180 total payments - 36 payments made = 144 payments remaining

144 x $1,142.24 = $164,482.56 remaining balance on mortgage today

 


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