$200,000 at 6.0% over 15 years - see the payment and the interest you save.
| Period | Date | Payment | Principal | Interest | Balance |
|---|
A $200,000 15-year fixed mortgage at 6.0% pays the loan off in half the time of a 30-year deal. The trade-off is a higher monthly payment in exchange for dramatically less interest.
The monthly rate is 0.06 / 12 = 0.005 and the term is 180 months. The amortization formula gives a level payment of $1,687.71.
Across 180 payments you repay about $303,787. Interest is only $103,787, so the interest ratio is a modest 34% - far below the 56% a 30-year loan would produce at a similar rate.
Compared with a 30-year loan at 6.0%, which would cost about $1,199 a month and roughly $231,700 in interest, the 15-year plan pays about 41% more each month but saves close to $127,900 in interest and clears the debt 15 years sooner.
The $1,688 payment is principal and interest only. Because a 15-year loan has a higher payment, property tax and insurance leave less slack in the monthly budget, so verify that total housing costs stay near 28% of gross income.
贷款 20 万美元、年利率 6.0%、期限 15 年，只需 30 年期一半的时间就能还清。代价是月供更高，回报则是利息大幅减少。
月利率为 0.06 / 12 = 0.005，期数为 180。代入公式后每月还款为 1,687.71 美元。
180 期累计还款约 303,787 美元，其中利息仅 103,787 美元，利息占比约 34%，明显低于同等利率下 30 年期的约 56%。
若改为 30 年期、利率同为 6.0%，月供约 1,199 美元、总利息约 231,700 美元。15 年期每月多付约 41%，却能省下近 127,900 美元利息，并提前 15 年还清贷款。
1,688 美元仅含本金与利息。由于 15 年期月供相对较高，房产税与保险在月度预算中留下的余地更少。建议确认住房总支出仍接近税前收入的 28%，以免还款压力挤压其他生活开支。此外，利率一旦锁定，月供与税费、保险的组合在未来十五年内都相对可预测，便于家庭做长期规划。
About $1,687.71 per month for principal and interest across 180 payments.
Approximately $103,800, only about 34% of the roughly $303,800 total repayment.
No - it covers principal and interest only. Add property tax, home insurance and PMI separately for your true monthly cost.
Last reviewed: October 5, 2026 · How we calculate · Sources: IRS, CFPB, CDC, NIH and others
最近复核：2026 年 10 月 5 日 · 我们的计算方法 · 来源：IRS、CFPB、CDC、NIH 等