All Sao Tome and Principe Mortgage (Home) Calculator

Home Price
Db
Down Payment
Loan Term
Interest Rate
%
Start Date
Monthly Payment
Results Summary

House Price: Db140000.00

Loan Amount: Db126000.00

Down Payment: Db14000.00

Total of 240 Mortgage Payments: Db186451.20

Total Interest: Db60451.20

Mortgage Payoff Date: Apr 2045

Amortization Schedule

🗓️ Monthly Amortization Schedule
MonthDateInterestPrincipalEnding Balance
1 Apr 2025 Db441.00 Db335.88 Db125664.12
2 May 2025 Db439.82 Db337.06 Db125327.06
3 Jun 2025 Db438.64 Db338.24 Db124988.83
4 Jul 2025 Db437.46 Db339.42 Db124649.41
5 Aug 2025 Db436.27 Db340.61 Db124308.80
6 Sep 2025 Db435.08 Db341.80 Db123967.00
7 Oct 2025 Db433.88 Db343.00 Db123624.01
8 Nov 2025 Db432.68 Db344.20 Db123279.81
9 Dec 2025 Db431.48 Db345.40 Db122934.41
10 Jan 2026 Db430.27 Db346.61 Db122587.80
11 Feb 2026 Db429.06 Db347.82 Db122239.98
12 Mar 2026 Db427.84 Db349.04 Db121890.94
13 Apr 2026 Db426.62 Db350.26 Db121540.68
14 May 2026 Db425.39 Db351.49 Db121189.19
15 Jun 2026 Db424.16 Db352.72 Db120836.47
16 Jul 2026 Db422.93 Db353.95 Db120482.52
17 Aug 2026 Db421.69 Db355.19 Db120127.33
18 Sep 2026 Db420.45 Db356.43 Db119770.89
19 Oct 2026 Db419.20 Db357.68 Db119413.21
20 Nov 2026 Db417.95 Db358.93 Db119054.28
21 Dec 2026 Db416.69 Db360.19 Db118694.09
22 Jan 2027 Db415.43 Db361.45 Db118332.64
23 Feb 2027 Db414.16 Db362.72 Db117969.92
24 Mar 2027 Db412.89 Db363.99 Db117605.94
25 Apr 2027 Db411.62 Db365.26 Db117240.68
26 May 2027 Db410.34 Db366.54 Db116874.14
27 Jun 2027 Db409.06 Db367.82 Db116506.32
28 Jul 2027 Db407.77 Db369.11 Db116137.21
29 Aug 2027 Db406.48 Db370.40 Db115766.81
30 Sep 2027 Db405.18 Db371.70 Db115395.12
31 Oct 2027 Db403.88 Db373.00 Db115022.12
32 Nov 2027 Db402.58 Db374.30 Db114647.82
33 Dec 2027 Db401.27 Db375.61 Db114272.20
34 Jan 2028 Db399.95 Db376.93 Db113895.28
35 Feb 2028 Db398.63 Db378.25 Db113517.03
36 Mar 2028 Db397.31 Db379.57 Db113137.46
37 Apr 2028 Db395.98 Db380.90 Db112756.56
38 May 2028 Db394.65 Db382.23 Db112374.33
39 Jun 2028 Db393.31 Db383.57 Db111990.76
40 Jul 2028 Db391.97 Db384.91 Db111605.85
41 Aug 2028 Db390.62 Db386.26 Db111219.59
42 Sep 2028 Db389.27 Db387.61 Db110831.98
43 Oct 2028 Db387.91 Db388.97 Db110443.01
44 Nov 2028 Db386.55 Db390.33 Db110052.68
45 Dec 2028 Db385.18 Db391.70 Db109660.98
46 Jan 2029 Db383.81 Db393.07 Db109267.92
47 Feb 2029 Db382.44 Db394.44 Db108873.47
48 Mar 2029 Db381.06 Db395.82 Db108477.65
49 Apr 2029 Db379.67 Db397.21 Db108080.44
50 May 2029 Db378.28 Db398.60 Db107681.84
51 Jun 2029 Db376.89 Db399.99 Db107281.85
52 Jul 2029 Db375.49 Db401.39 Db106880.46
53 Aug 2029 Db374.08 Db402.80 Db106477.66
54 Sep 2029 Db372.67 Db404.21 Db106073.45
55 Oct 2029 Db371.26 Db405.62 Db105667.83
56 Nov 2029 Db369.84 Db407.04 Db105260.78
57 Dec 2029 Db368.41 Db408.47 Db104852.32
58 Jan 2030 Db366.98 Db409.90 Db104442.42
59 Feb 2030 Db365.55 Db411.33 Db104031.09
60 Mar 2030 Db364.11 Db412.77 Db103618.32
61 Apr 2030 Db362.66 Db414.22 Db103204.10
62 May 2030 Db361.21 Db415.67 Db102788.44
63 Jun 2030 Db359.76 Db417.12 Db102371.32
64 Jul 2030 Db358.30 Db418.58 Db101952.74
65 Aug 2030 Db356.83 Db420.05 Db101532.69
66 Sep 2030 Db355.36 Db421.52 Db101111.17
67 Oct 2030 Db353.89 Db422.99 Db100688.18
68 Nov 2030 Db352.41 Db424.47 Db100263.71
69 Dec 2030 Db350.92 Db425.96 Db99837.75
70 Jan 2031 Db349.43 Db427.45 Db99410.31
71 Feb 2031 Db347.94 Db428.94 Db98981.36
72 Mar 2031 Db346.43 Db430.45 Db98550.92
73 Apr 2031 Db344.93 Db431.95 Db98118.97
74 May 2031 Db343.42 Db433.46 Db97685.50
75 Jun 2031 Db341.90 Db434.98 Db97250.52
76 Jul 2031 Db340.38 Db436.50 Db96814.02
77 Aug 2031 Db338.85 Db438.03 Db96375.99
78 Sep 2031 Db337.32 Db439.56 Db95936.42
79 Oct 2031 Db335.78 Db441.10 Db95495.32
80 Nov 2031 Db334.23 Db442.65 Db95052.67
81 Dec 2031 Db332.68 Db444.20 Db94608.48
82 Jan 2032 Db331.13 Db445.75 Db94162.73
83 Feb 2032 Db329.57 Db447.31 Db93715.42
84 Mar 2032 Db328.00 Db448.88 Db93266.54
85 Apr 2032 Db326.43 Db450.45 Db92816.10
86 May 2032 Db324.86 Db452.02 Db92364.07
87 Jun 2032 Db323.27 Db453.61 Db91910.47
88 Jul 2032 Db321.69 Db455.19 Db91455.27
89 Aug 2032 Db320.09 Db456.79 Db90998.49
90 Sep 2032 Db318.49 Db458.39 Db90540.10
91 Oct 2032 Db316.89 Db459.99 Db90080.11
92 Nov 2032 Db315.28 Db461.60 Db89618.51
93 Dec 2032 Db313.66 Db463.22 Db89155.30
94 Jan 2033 Db312.04 Db464.84 Db88690.46
95 Feb 2033 Db310.42 Db466.46 Db88224.00
96 Mar 2033 Db308.78 Db468.10 Db87755.90
97 Apr 2033 Db307.15 Db469.73 Db87286.17
98 May 2033 Db305.50 Db471.38 Db86814.79
99 Jun 2033 Db303.85 Db473.03 Db86341.76
100 Jul 2033 Db302.20 Db474.68 Db85867.08
101 Aug 2033 Db300.53 Db476.35 Db85390.73
102 Sep 2033 Db298.87 Db478.01 Db84912.72
103 Oct 2033 Db297.19 Db479.69 Db84433.03
104 Nov 2033 Db295.52 Db481.36 Db83951.67
105 Dec 2033 Db293.83 Db483.05 Db83468.62
106 Jan 2034 Db292.14 Db484.74 Db82983.88
107 Feb 2034 Db290.44 Db486.44 Db82497.44
108 Mar 2034 Db288.74 Db488.14 Db82009.30
109 Apr 2034 Db287.03 Db489.85 Db81519.46
110 May 2034 Db285.32 Db491.56 Db81027.89
111 Jun 2034 Db283.60 Db493.28 Db80534.61
112 Jul 2034 Db281.87 Db495.01 Db80039.60
113 Aug 2034 Db280.14 Db496.74 Db79542.86
114 Sep 2034 Db278.40 Db498.48 Db79044.38
115 Oct 2034 Db276.66 Db500.22 Db78544.16
116 Nov 2034 Db274.90 Db501.98 Db78042.18
117 Dec 2034 Db273.15 Db503.73 Db77538.45
118 Jan 2035 Db271.38 Db505.50 Db77032.95
119 Feb 2035 Db269.62 Db507.26 Db76525.69
120 Mar 2035 Db267.84 Db509.04 Db76016.65
121 Apr 2035 Db266.06 Db510.82 Db75505.83
122 May 2035 Db264.27 Db512.61 Db74993.22
123 Jun 2035 Db262.48 Db514.40 Db74478.81
124 Jul 2035 Db260.68 Db516.20 Db73962.61
125 Aug 2035 Db258.87 Db518.01 Db73444.60
126 Sep 2035 Db257.06 Db519.82 Db72924.77
127 Oct 2035 Db255.24 Db521.64 Db72403.13
128 Nov 2035 Db253.41 Db523.47 Db71879.66
129 Dec 2035 Db251.58 Db525.30 Db71354.36
130 Jan 2036 Db249.74 Db527.14 Db70827.22
131 Feb 2036 Db247.90 Db528.98 Db70298.24
132 Mar 2036 Db246.04 Db530.84 Db69767.40
133 Apr 2036 Db244.19 Db532.69 Db69234.71
134 May 2036 Db242.32 Db534.56 Db68700.15
135 Jun 2036 Db240.45 Db536.43 Db68163.72
136 Jul 2036 Db238.57 Db538.31 Db67625.41
137 Aug 2036 Db236.69 Db540.19 Db67085.22
138 Sep 2036 Db234.80 Db542.08 Db66543.14
139 Oct 2036 Db232.90 Db543.98 Db65999.16
140 Nov 2036 Db231.00 Db545.88 Db65453.28
141 Dec 2036 Db229.09 Db547.79 Db64905.48
142 Jan 2037 Db227.17 Db549.71 Db64355.77
143 Feb 2037 Db225.25 Db551.63 Db63804.14
144 Mar 2037 Db223.31 Db553.57 Db63250.57
145 Apr 2037 Db221.38 Db555.50 Db62695.07
146 May 2037 Db219.43 Db557.45 Db62137.62
147 Jun 2037 Db217.48 Db559.40 Db61578.22
148 Jul 2037 Db215.52 Db561.36 Db61016.87
149 Aug 2037 Db213.56 Db563.32 Db60453.55
150 Sep 2037 Db211.59 Db565.29 Db59888.25
151 Oct 2037 Db209.61 Db567.27 Db59320.98
152 Nov 2037 Db207.62 Db569.26 Db58751.73
153 Dec 2037 Db205.63 Db571.25 Db58180.48
154 Jan 2038 Db203.63 Db573.25 Db57607.23
155 Feb 2038 Db201.63 Db575.25 Db57031.97
156 Mar 2038 Db199.61 Db577.27 Db56454.71
157 Apr 2038 Db197.59 Db579.29 Db55875.42
158 May 2038 Db195.56 Db581.32 Db55294.10
159 Jun 2038 Db193.53 Db583.35 Db54710.75
160 Jul 2038 Db191.49 Db585.39 Db54125.36
161 Aug 2038 Db189.44 Db587.44 Db53537.92
162 Sep 2038 Db187.38 Db589.50 Db52948.42
163 Oct 2038 Db185.32 Db591.56 Db52356.86
164 Nov 2038 Db183.25 Db593.63 Db51763.23
165 Dec 2038 Db181.17 Db595.71 Db51167.52
166 Jan 2039 Db179.09 Db597.79 Db50569.73
167 Feb 2039 Db176.99 Db599.89 Db49969.84
168 Mar 2039 Db174.89 Db601.99 Db49367.85
169 Apr 2039 Db172.79 Db604.09 Db48763.76
170 May 2039 Db170.67 Db606.21 Db48157.56
171 Jun 2039 Db168.55 Db608.33 Db47549.23
172 Jul 2039 Db166.42 Db610.46 Db46938.77
173 Aug 2039 Db164.29 Db612.59 Db46326.17
174 Sep 2039 Db162.14 Db614.74 Db45711.44
175 Oct 2039 Db159.99 Db616.89 Db45094.55
176 Nov 2039 Db157.83 Db619.05 Db44475.50
177 Dec 2039 Db155.66 Db621.22 Db43854.28
178 Jan 2040 Db153.49 Db623.39 Db43230.89
179 Feb 2040 Db151.31 Db625.57 Db42605.32
180 Mar 2040 Db149.12 Db627.76 Db41977.56
181 Apr 2040 Db146.92 Db629.96 Db41347.60
182 May 2040 Db144.72 Db632.16 Db40715.44
183 Jun 2040 Db142.50 Db634.38 Db40081.06
184 Jul 2040 Db140.28 Db636.60 Db39444.46
185 Aug 2040 Db138.06 Db638.82 Db38805.64
186 Sep 2040 Db135.82 Db641.06 Db38164.58
187 Oct 2040 Db133.58 Db643.30 Db37521.28
188 Nov 2040 Db131.32 Db645.56 Db36875.72
189 Dec 2040 Db129.07 Db647.81 Db36227.90
190 Jan 2041 Db126.80 Db650.08 Db35577.82
191 Feb 2041 Db124.52 Db652.36 Db34925.46
192 Mar 2041 Db122.24 Db654.64 Db34270.82
193 Apr 2041 Db119.95 Db656.93 Db33613.89
194 May 2041 Db117.65 Db659.23 Db32954.66
195 Jun 2041 Db115.34 Db661.54 Db32293.12
196 Jul 2041 Db113.03 Db663.85 Db31629.27
197 Aug 2041 Db110.70 Db666.18 Db30963.09
198 Sep 2041 Db108.37 Db668.51 Db30294.58
199 Oct 2041 Db106.03 Db670.85 Db29623.73
200 Nov 2041 Db103.68 Db673.20 Db28950.53
201 Dec 2041 Db101.33 Db675.55 Db28274.98
202 Jan 2042 Db98.96 Db677.92 Db27597.06
203 Feb 2042 Db96.59 Db680.29 Db26916.77
204 Mar 2042 Db94.21 Db682.67 Db26234.10
205 Apr 2042 Db91.82 Db685.06 Db25549.04
206 May 2042 Db89.42 Db687.46 Db24861.58
207 Jun 2042 Db87.02 Db689.86 Db24171.72
208 Jul 2042 Db84.60 Db692.28 Db23479.44
209 Aug 2042 Db82.18 Db694.70 Db22784.74
210 Sep 2042 Db79.75 Db697.13 Db22087.60
211 Oct 2042 Db77.31 Db699.57 Db21388.03
212 Nov 2042 Db74.86 Db702.02 Db20686.01
213 Dec 2042 Db72.40 Db704.48 Db19981.53
214 Jan 2043 Db69.94 Db706.94 Db19274.59
215 Feb 2043 Db67.46 Db709.42 Db18565.17
216 Mar 2043 Db64.98 Db711.90 Db17853.27
217 Apr 2043 Db62.49 Db714.39 Db17138.87
218 May 2043 Db59.99 Db716.89 Db16421.98
219 Jun 2043 Db57.48 Db719.40 Db15702.57
220 Jul 2043 Db54.96 Db721.92 Db14980.65
221 Aug 2043 Db52.43 Db724.45 Db14256.21
222 Sep 2043 Db49.90 Db726.98 Db13529.22
223 Oct 2043 Db47.35 Db729.53 Db12799.69
224 Nov 2043 Db44.80 Db732.08 Db12067.61
225 Dec 2043 Db42.24 Db734.64 Db11332.97
226 Jan 2044 Db39.67 Db737.21 Db10595.76
227 Feb 2044 Db37.09 Db739.79 Db9855.96
228 Mar 2044 Db34.50 Db742.38 Db9113.58
229 Apr 2044 Db31.90 Db744.98 Db8368.59
230 May 2044 Db29.29 Db747.59 Db7621.00
231 Jun 2044 Db26.67 Db750.21 Db6870.80
232 Jul 2044 Db24.05 Db752.83 Db6117.97
233 Aug 2044 Db21.41 Db755.47 Db5362.50
234 Sep 2044 Db18.77 Db758.11 Db4604.39
235 Oct 2044 Db16.12 Db760.76 Db3843.62
236 Nov 2044 Db13.45 Db763.43 Db3080.20
237 Dec 2044 Db10.78 Db766.10 Db2314.10
238 Jan 2045 Db8.10 Db768.78 Db1545.32
239 Feb 2045 Db5.41 Db771.47 Db773.84
240 Mar 2045 Db2.71 Db774.17 Db-0.33

📅 Annual Amortization Schedule
YearDateInterestPrincipalEnding Balance
1 Apr 2025 - Apr 2026 Db5213.50 Db4109.06 Db121890.94
2 Apr 2026 - Apr 2027 Db5037.56 Db4285.00 Db117605.94
3 Apr 2027 - Apr 2028 Db4854.08 Db4468.48 Db113137.46
4 Apr 2028 - Apr 2029 Db4662.75 Db4659.81 Db108477.65
5 Apr 2029 - Apr 2030 Db4463.23 Db4859.33 Db103618.32
6 Apr 2030 - Apr 2031 Db4255.16 Db5067.40 Db98550.92
7 Apr 2031 - Apr 2032 Db4038.18 Db5284.38 Db93266.54
8 Apr 2032 - Apr 2033 Db3811.92 Db5510.64 Db87755.90
9 Apr 2033 - Apr 2034 Db3575.96 Db5746.60 Db82009.30
10 Apr 2034 - Apr 2035 Db3329.91 Db5992.65 Db76016.65
11 Apr 2035 - Apr 2036 Db3073.31 Db6249.25 Db69767.40
12 Apr 2036 - Apr 2037 Db2805.73 Db6516.83 Db63250.57
13 Apr 2037 - Apr 2038 Db2526.69 Db6795.87 Db56454.71
14 Apr 2038 - Apr 2039 Db2235.71 Db7086.85 Db49367.85
15 Apr 2039 - Apr 2040 Db1932.26 Db7390.30 Db41977.56
16 Apr 2040 - Apr 2041 Db1615.83 Db7706.73 Db34270.82
17 Apr 2041 - Apr 2042 Db1285.84 Db8036.72 Db26234.10
18 Apr 2042 - Apr 2043 Db941.72 Db8380.84 Db17853.27
19 Apr 2043 - Apr 2044 Db582.87 Db8739.69 Db9113.58
20 Apr 2044 - Apr 2045 Db208.66 Db9113.90 Db-0.33

 

Simple Mortgage (Home) Loan Repayment Calculator Sao Tome and Principe

Looking to calculate your mortgage repayments in Sao Tome and Principe? The Simple Mortgage (Home) Loan Repayment Calculator from mortgagecalculator24.com offers a straightforward solution for potential homeowners. By providing quick and accurate results, it helps you understand your financial commitments and plan your budget effectively.

How the Simple Mortgage (Home) Loan Repayment Calculator Sao Tome and Principe Works

  • Enter Home Price: Input the total cost of the property.
  • Down Payment (optional): Specify the upfront payment if applicable.
  • Loan Term: Choose the duration of the loan in years.
  • Interest Rate: Enter the annual interest rate for the mortgage.
  • Start Date: Select the date when you plan to start the loan.
  • Add Taxes and Other Amounts: Include additional costs such as property taxes or insurance.
  • Get Instant Results: Click to calculate and receive your repayment details immediately.

Factors to Consider Before Getting a Mortgage

  • Credit Score: A higher credit score can lead to better interest rates.
  • Debt-to-Income Ratio: Lenders assess your ability to manage monthly payments based on your income and existing debt.
  • Loan Type: Different loan types offer various terms and conditions; choose one that aligns with your financial goals.
  • Market Trends: Understanding local real estate trends can inform your decision on timing and pricing.
  • Future Financial Plans: Consider how long you plan to stay in the home and any future financial commitments.

Common Mistakes to Avoid When Getting a Mortgage in Sao Tome and Principe

  • Not Shopping Around: Failing to compare rates and terms from different lenders can cost you.
  • Ignoring the Total Cost: Focusing solely on monthly payments may lead to overlooking the overall cost of the loan.
  • Underestimating Additional Costs: Not accounting for closing costs, insurance, and maintenance can affect your budget.
  • Skipping Pre-Approval: Not getting pre-approved can lead to surprises in the buying process.
  • Neglecting to Read the Fine Print: Always review loan agreements thoroughly to understand terms and conditions.

Mortgage Costs Often Overlooked

  • Closing Costs: Fees associated with finalizing the mortgage, including appraisal and title insurance.
  • Property Taxes: Annual taxes based on the value of your property, which can significantly impact monthly payments.
  • Homeowners Insurance: Protects against damages; required by lenders and varies based on property value and location.
  • Private Mortgage Insurance (PMI): Required if your down payment is less than 20%, adding to monthly costs.
  • Maintenance and Repairs: Ongoing costs for upkeep that many first-time buyers overlook.

Frequently Asked Questions About Mortgages in Sao Tome and Principe

1. What is a mortgage?

A mortgage is a loan specifically for purchasing real estate, where the property serves as collateral.

2. How do I qualify for a mortgage?

Qualification typically involves a review of your credit score, income, employment history, and debt-to-income ratio.

3. What is the average interest rate for mortgages in Sao Tome and Principe?

Interest rates can fluctuate based on market conditions; it�s advisable to check with local lenders for current rates.

4. How much can I borrow?

Your borrowing capacity is determined by your income, credit score, and the lender’s policies, often calculated through the debt-to-income ratio.

5. What are closing costs?

Closing costs include various fees related to the purchase of the property, such as appraisals, title searches, and attorney fees.

6. Can I refinance my mortgage?

Yes, refinancing can be an option if interest rates drop or if your financial situation improves.

7. What is PMI and when do I need it?

Private Mortgage Insurance (PMI) is required if your down payment is less than 20% of the property value.

8. How do I choose the right mortgage lender?

Consider factors like interest rates, customer service, and the lender’s reputation when making your choice.

9. What happens if I miss a mortgage payment?

Missing a payment can lead to late fees, and repeated missed payments may result in foreclosure.

10. How can I pay off my mortgage faster?

Consider making extra payments, refinancing to a shorter term, or increasing your monthly payment amount.