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# Amortization Factor Rates (To Quickly Compute For Your Monthly Amortization)

Want to compute for your monthly amortizations and you’re looking for the amortization factors applicable to your home loan? I have already tabulated them here for you. Check them out below.

## What is amortization factor?

An amortization factor is used to easily compute for monthly amortization payments. We already tabulated amortization factors for mortgage/home loan interest rates ranging from 1% to 20% per year, with payment terms ranging from 1 to 30 years to pay.

## How to use amortization factor

To calculate the monthly amortization, just multiply the loan amount with the amortization factor for the corresponding interest rate and term (in years) in the applicable table below. The resulting monthly amortization is a combination of principal and interest.

We have noticed a lot of copycat sites out there (yes, we know who you are!) who plagiarize our content just like the amortization factor rate tables below. Because of this, we have added data within the tables which we use to track copied content. This is visible even if the tables are converted into images.

If you want to use our content, you may do so with proper attribution (with a link that leads back to this post), otherwise stop plagiarizing our content… copyright violators shall be dealt with accordingly (Hint: Google also knows who are the copy cats).

## How to compute for Amortization Factor

To compute for amortization factor, all you need is the annual interest rate and loan term, which you can enter into the amortization factor rate calculator I created, that you can see below. Just enter the loan term (in years) and the interest rate (annual), and it will auto-compute for the amortization  factor. Use this calculator if your loan term is not typical, and is not found in the tables below.

## Amortization factor rate tables

(You can scroll/swipe left or right when viewing from a small screen)

#### 1.00% to 2.75%

Term (years)1.00%1.25%1.50%1.75%2.00%2.25%2.50%2.75%
10.08378541160.08389864640.08401196730.08412537430.08423886730.08435244620.08446611120.0845798620
20.04210208030.04221136660.04232082590.04243045820.04254026340.04265024140.04276039220.0428707158
30.02820809930.02831632960.02842481970.02853356940.02864257870.02875184750.02886137570.0289711631
40.02126145590.02136935330.02147759720.02158618730.02169512360.02180440590.02191403400.0220240078
50.01709374740.01720160120.01730988810.01741860770.01752776010.01763734480.01774736160.0178578103
60.01431550650.01442346120.01453193550.01464092920.01475044190.01486047330.01497102300.0150820906
70.01233124690.01243938510.01254812950.01265747960.01276743500.01287799530.01298916000.0131009284
80.01084322570.01095159900.01106066490.01117042290.01128087240.01139201280.01150384330.0116163633
90.00968603000.00979467280.00990409450.01001429460.01012527220.01023702660.01034955670.0104628616
100.00876041210.00886934840.00897915000.00908981600.00920134540.00931373720.00942699020.0095411031
110.00800321450.00811246170.00822266040.00833380950.00844590790.00855895400.00867294640.0087878835
120.00737233210.00748190320.00759251200.00770415710.00781683690.00793054980.00804529380.0081610670
130.00683861510.00694852020.00705954900.00717169970.00728497070.00739935960.00751486430.0076314820
140.00638124240.00649148930.00660294570.00671560980.00682947920.00694455130.00706082320.0071782919
150.00598494510.00609554000.00620743020.00632061350.00643508700.00655084770.00666789210.0067862164
160.00563827160.00574921940.00586154830.00597525550.00609033770.00620679120.00632461180.0064437950
170.00533246460.00544376950.00555654110.00567077600.00578647040.00590361980.00602221940.0061422638
180.00506071310.00517237850.00528559590.00540036160.00551667090.00563451870.00575389930.0058748063
190.00481763980.00492966850.00504333450.00515863340.00527555980.00539410780.00551427070.0056360412
200.00459894310.00471133730.00482545410.00494128810.00505883340.00517808290.00529902890.0054216631
210.00440114040.00451390230.00462847160.00474484240.00486300770.00498295950.00510468910.0052281867
220.00422138260.00433451370.00444953710.00456644600.00468523230.00480588700.00492840010.0050527604
230.00405731600.00417081780.00428629650.00440374440.00452315230.00464451010.00476780640.0048930284
240.00390697920.00402085290.00413678790.00425477550.00437480550.00449686630.00462094510.0047470275
250.00376872450.00388297110.00399936330.00411789120.00423854340.00436130700.00448616730.0046131086
260.00364115790.00375577820.00387262820.00399169680.00411297120.00423643700.00436207790.0044898761
270.00352309170.00363808660.00375539490.00387500440.00399690090.00412106820.00424748830.0043761413
280.00341350810.00352887800.00364664500.00376679560.00388931380.00401418180.00414137960.0042708851
290.00331152940.00342727500.00354550100.00366619250.00378933210.00391489980.00404287360.0041732291
300.00321639520.00333251680.00345120210.00357243450.00369619470.00382246100.00395120900.0040824118

#### 3.00% to 4.75%

Term (years)3.00%3.25%3.50%3.75%4.00%4.25%4.50%4.75%
10.08469369880.08480762140.08492162980.08503572410.08514990420.08526417000.08537852160.0854929589
20.04298121200.04309188080.04320272210.04331373600.04342492220.04353628070.04364781160.0437595146
30.02908120960.02919151520.02930207970.02941290300.02952398500.02963532550.02974692450.0298587817
40.02213432700.02224499150.02235600110.02246735550.02257905460.02269109820.02280348610.0229162179
50.01796869070.01808000230.01819174500.01830391830.01841652210.01852955580.01864301920.0187569120
60.01519367580.01530577810.01541839710.01553153220.01564518310.01575934910.01587402970.0159892245
70.01321330010.01332627440.01343985060.01355402820.01366880630.01378418430.01390016130.0140167365
80.01172957190.01184346840.01195805170.01207332100.01218927530.01230591350.01242323440.0125412370
90.01057694040.01069179170.01080741440.01092380730.01104096890.01115889780.01127759260.0113970516
100.00965607450.00977190290.00988858670.01000612430.01012451380.01024375330.01036384090.0104847743
110.00890376350.00902058450.00913834440.00925704090.00937667190.00949723470.00961872690.0097411457
120.00827786690.00839569120.00851453740.00863440250.00875528370.00887717780.00900008160.0091239916
130.00774921000.00786804540.00798798470.00810902470.00823116160.00835439140.00847871020.0086041136
140.00729695390.00741680550.00753784270.00766006120.00778345660.00790802410.00803375850.0081606547
150.00690581640.00702668770.00714882540.00727222440.00739687930.00752278410.00764993290.0077783192
160.00656433580.00668622880.00680946840.00693404830.00705996190.00718720240.00731576240.0074456343
170.00626374700.00638666290.00651100440.00663676430.00676393490.00689250790.00702247460.0071538261
180.00599723290.00612117160.00624661430.00637355240.00650197700.00663187820.00676324610.0068960699
190.00575941120.00588437200.00601091420.00613902800.00626870270.00639992700.00653268930.0066669771
200.00554597600.00567195760.00579959720.00592888310.00605980330.00619234470.00632649380.0064622363
210.00535344150.00548044210.00560917610.00573963030.00587179060.00600564230.00614116980.0062783569
220.00517895570.00530697300.00543679800.00556841580.00570181040.00583696490.00597386170.0061124823
230.00502016240.00514919360.00528010580.00541288210.00554750440.00568395370.00582221010.0059622527
240.00487509800.00500513990.00513713510.00527106440.00540690750.00554464300.00568424850.0058257007
250.00474211310.00487316230.00500623570.00514131200.00527836840.00541738100.00555832480.0057011736
260.00461981190.00475186450.00488601120.00502222820.00516049000.00530077010.00544304070.0055872727
270.00450700540.00464005730.00477527200.00491262290.00505208180.00519361940.00533720490.0054828061
280.00440267420.00453672120.00467299820.00481147590.00495212340.00509490800.00523979600.0053867519
290.00430593980.00444097710.00457831050.00471790770.00485973470.00500375550.00514993320.0052982290
300.00421604030.00435206320.00449044690.00463115590.00477415300.00491939890.00506685310.0052164734

#### 5.00% to 6.75%

Term (years)5.00%5.25%5.50%5.75%6.00%6.25%6.50%6.75%
10.08560748180.08572209040.08583678460.08595156440.08606642970.08618138060.08629641700.0864115388
20.04387138970.04398343700.04409565620.04420804730.04432061030.04443334500.04454625140.0446593295
30.02997089710.03008327050.03019590180.03030879080.03042193750.03053534150.03064900290.0307629214
40.02302929360.02314271280.02325647520.02337058070.02348502900.02359981990.02371495290.0238304280
50.01887123360.01898598380.01910116220.01921676820.01933280150.01944926170.01956614820.0196834607
60.01610493270.01622115370.01633788710.01645513200.01657288790.01669115400.01680992960.0169292140
70.01413390910.01425167810.01437004270.01448900180.01460855450.01472869970.01484943650.0149707636
80.01265992000.01277928220.01289932220.01302003870.01314143020.01326349540.01338623260.0135096404
90.01151727320.01163825560.01175999710.01188249570.01200574960.01212975680.01225451510.0123800224
100.01060655150.01072917010.01085262780.01097692200.01110205020.01122800970.01135479770.0114824114
110.00986448820.00998875160.01011393260.01024002810.01036703460.01049494880.01062376710.0107534858
120.00924890410.00937481550.00950172170.00962961870.00975850210.00988836770.01001921090.0101510269
130.00873059700.00885815580.00898678510.00911647980.00924723440.00937904370.00951190190.0096458031
140.00828870710.00841790990.00854825710.00867974230.00881235920.00894610100.00908096080.0092169314
150.00790793630.00803877720.00817083450.00830410090.00843856830.00857422870.00871107370.0088490946
160.00757681000.00770928110.00784303900.00797807470.00811437860.00825194130.00839075270.0085308025
170.00728655280.00742064470.00755609170.00769288310.00783100770.00797045430.00811121100.0082532659
180.00703033850.00716604040.00730316360.00744169540.00758162320.00772293360.00786561290.0080096470
190.00680277750.00694007720.00707886220.00721911810.00736082990.00750398240.00764855970.0077945457
200.00659955740.00673844170.00687887310.00702083510.00716431060.00730928200.00745573140.0076036401
210.00641718650.00655764110.00669970240.00684335160.00698856920.00713533520.00728362930.0074334304
220.00625280750.00639481740.00653849110.00668380750.00683074450.00697927970.00712938990.0072810517
230.00610405970.00624760880.00639287660.00653983920.00668847200.00683874980.00699064670.0071441364
240.00596897510.00611404670.00626088950.00640947660.00655978070.00671177360.00686542660.0070207106
250.00584590040.00599247720.00614087490.00629106400.00644301400.00659669380.00675207160.0069091153
260.00573343620.00588150000.00603143230.00618320010.00633676990.00649210760.00664917810.0068079460
270.00563039000.00577992230.00593136780.00608469050.00623985350.00639681930.00655554970.0067160061
280.00553573950.00568672110.00583965820.00599451130.00615124020.00630980380.00647016080.0066322691
290.00544860300.00560101430.00575542070.00591177920.00607004610.00623017690.00639212670.0065558498
300.00536821620.00552203700.00567789000.00583572860.00599550530.00615717200.00632068020.0064859810

#### 7.00% to 8.75%

Term (years)7.00%7.25%7.50%7.75%8.00%8.25%8.50%8.75%
10.08652674610.08664203880.08675741690.08687288030.08698842910.08710406310.08721978250.0873355870
20.04477257910.04488600020.04499959270.04511335640.04522729150.04534139760.04545567490.0455701231
30.03087709690.03099152920.03110621820.03122116360.03133636550.03145182340.03156753740.0316835072
40.02394624470.02406240280.02417890190.02429574190.02441292230.02453044290.02464830340.0247665033
50.01980119850.01991936140.02003794860.02015695980.02027639430.02039625170.02051653130.0206372327
60.01704900650.01716930620.01729011230.01741142410.01753324060.01765556110.01777838460.0179017103
70.01509268000.01521518450.01533827590.01546195290.01558621440.01571105900.01583648540.0159624923
80.01363371710.01375846100.01388387060.01400994390.01413667930.01426407480.01439212860.0145208387
90.01250627660.01263327530.01276101620.01288949690.01301871490.01314866770.01327935270.0134107673
100.01161084790.01174010410.01187017690.01200106310.01213275940.01226526250.01239856890.0125326750
110.01088410090.01101560870.01114800510.01128128590.01141544690.01155048370.01168639190.0118231668
120.01028381100.01041755810.01055226310.01068792080.01082452580.01096207270.01110055560.0112399690
130.00978074140.00991671060.01005370420.01019171590.01033073880.01047076630.01061179120.0107538066
140.00935400540.00949217530.00963143340.00977177170.00991318200.01005565600.01019918540.0103437613
150.00898828270.00912862880.00927012360.00941275750.00955652080.00970140360.00984739560.0099944865
160.00867208020.00881457500.00895827590.00910317150.00924925030.00939650040.00954491000.0096944668
170.00839660650.00854122020.00868709390.00883421450.00898256840.00913214190.00928292100.0094348915
180.00815502170.00830172210.00844973330.00859903990.00874962620.00890147650.00905457450.0092089040
190.00794192380.00809067700.00824078820.00839223980.00854501380.00869909210.00885445630.0090110878
200.00775298940.00790375980.00805593190.00820948560.00836440070.00852065650.00867823230.0088371071
210.00758471710.00773746780.00789166010.00804727160.00820427960.00836266080.00852239210.0086834497
220.00743424100.00758893340.00774510400.00790272770.00806177910.00822223230.00838406160.0085472406
230.00729919220.00745578680.00761389260.00777348170.00793452590.00809699670.00826086540.0084261033
240.00717759580.00733605210.00749604900.00765755570.00782054120.00798497420.00815082320.0083180568
250.00706779200.00722806860.00738991180.00755328760.00771816220.00788450130.00805227080.0082214364
260.00696837560.00713043060.00729407440.00745927030.00762598110.00779417000.00796379980.0081348334
270.00687814930.00704194000.00720733840.00737430460.00754279860.00771278050.00788421030.0080570480
280.00679608610.00696156940.00712867590.00729736260.00746758640.00763930450.00781247390.0079870520
290.00672130060.00688843300.00705720080.00722755790.00739945810.00757285560.00774770460.0079239597
300.00665302500.00682176280.00699214510.00716412250.00733764570.00751266600.00768913480.0078670041

#### 9.00% to 10.75%

Term (years)9.00%9.25%9.50%9.75%10.00%10.25%10.50%10.75%
10.08745147680.08756745170.08768351180.08779965700.08791588720.08803220260.08814860290.0882650882
20.04568474230.04579953230.04591449300.04602962440.04614492630.04626039880.04637604160.0464918548
30.03179973270.03191621360.03203294970.03214994100.03226718720.03238468810.03250244350.0326204532
40.02488504240.02500392030.02512313670.02524269120.02536258340.02548281310.02560337980.0257242831
50.02075835520.02087989830.02100186130.02112424370.02124704470.02137026380.02149390040.0216179537
60.01802553720.01814986430.01827469080.01840001560.01852583780.01865215620.01877897000.0189062779
70.01608907830.01621624190.01634398170.01647229620.01660118400.01673064350.01686067310.0169912713
80.01465020330.01478022020.01491088730.01504220270.01517416410.01530676930.01544001620.0155739024
90.01354290870.01367577410.01380936080.01394366580.01407868620.01421441900.01435086120.0144880096
100.01266757740.01280327220.01293975580.01307702420.01321507370.01335390020.01349349970.0136338680
110.01196080390.01209929850.01223864550.01237884020.01251987750.01266175220.01280445930.0129479933
120.01138030700.01152156340.01166373240.01180680750.01195078260.01209565120.01224140680.0123880428
130.01089680510.01104077940.01118572190.01133162500.01147848090.01162628180.01177501960.0119246863
140.01048937500.01063601770.01078368000.01093235290.01108202690.01123269250.01138434010.0115369600
150.01014266580.01029192290.01044224680.01059362660.01074605120.01089950920.01105398920.0112094798
160.00984515840.00999697230.01014989570.01030391570.01045901930.01061519330.01077242440.0109306991
170.00958803900.00974234890.00989780650.01005439670.01021210460.01037091490.01053081220.0106917813
180.00936444840.00952119080.00967911450.00983820230.00999843700.01015980120.01032227760.0104858485
190.00916896780.00932807710.00948839670.00964990720.00981258910.00997642290.01014138900.0103074675
200.00899725960.00915866830.00932131190.00948516850.00965021650.00981643390.00998379890.0101522895
210.00884581020.00900944940.00917434360.00934046850.00950780010.00967631410.00984598650.0100167930
220.00871174320.00887754290.00904461330.00921292790.00938246000.00955318310.00972507080.0098980967
230.00859268150.00876057090.00892974260.00910016750.00927181660.00944466110.00961867230.0097938214
240.00848664330.00865655110.00882774870.00900020460.00917388730.00934876570.00952480880.0097019856
250.00839196360.00856381840.00873696660.00891137420.00908700750.00926383280.00944181710.0096209272
260.00830723380.00848096410.00865598780.00883226830.00900976960.00918845590.00936829180.0095492424
270.00823125400.00840678880.00858361330.00876168870.00894097660.00912143900.00930303850.0094857381
280.00816299640.00834026520.00851881670.00869860980.00887960400.00906175910.00924503570.0094293953
290.00810157590.00828050880.00846071430.00864214920.00882477070.00900853680.00919340630.0093793387
300.00804622620.00822675430.00840854210.00859154410.00877571570.00896101300.00914739290.0093348136

#### 11.00% to 12.75%

Term (years)11.00%11.25%11.50%11.75%12.00%12.25%12.50%12.75%
10.08838165850.08849831370.08861505390.08873187890.08884878870.08896578330.08908286270.0892000269
20.04660783820.04672399170.04684031530.04695680880.04707347220.04719030540.04730730820.0474244807
30.03273871710.03285723490.03297600640.03309503150.03321430980.03333384130.03345362560.0335736626
40.02584552260.02596709800.02608900890.02621125480.02633383540.02645675030.02657999890.0267035809
50.02174242310.02186730790.02199260740.02211832090.02224444770.02237098700.02249793820.0226253005
60.01903407900.01916237210.01929115620.01942043000.01955019250.01968044250.01981117870.0199424000
70.01712243640.01725416680.01738646080.01751931670.01765273280.01778670730.01792123840.0180563244
80.01570842570.01584358360.01597937380.01611579390.01625284140.01639051380.01652880860.0166677233
90.01462586100.01476441230.01490366030.01504360150.01518423260.01532555030.01546755100.0156102313
100.01377500110.01391689470.01405954440.01420294590.01434709480.01449198670.01463761690.0147839809
110.01309234900.01323752100.01338350370.01353029150.01367787880.01382625990.01397542900.0141253803
120.01253555260.01268392920.01283316580.01298325560.01313419140.01328596620.01343857280.0135920040
130.01207527360.01222677330.01237917690.01253247610.01268666220.01284172670.01299766070.0131544557
140.01169054230.01184507700.01200055420.01215696370.01231429530.01247253870.01263168350.0127917194
150.01136596930.01152344600.01168189810.01184131360.01200168060.01216298710.01232522080.0124883698
160.01109000400.01125032540.01141164960.01157396280.01173725130.01190150100.01206669810.0122328286
170.01085380640.01101687210.01118096270.01134606230.01151215530.01167922580.01184725800.0120162362
180.01065049640.01081620360.01098295240.01115072510.01131950380.01148927090.01166000870.0118316994
190.01047463890.01064288320.01081218080.01098251190.01115385660.01132619530.01149950840.0116737763
200.01032188390.01049256010.01066429630.01083707060.01101086130.01118564680.01136140550.0115381160
210.01018870950.01036171200.01053577660.01071087930.01088699650.01106410460.01124218030.0114212003
220.01007223450.01024745800.01042374120.01060105820.01077938360.01095869180.01113895770.0113201565
230.00997008000.01014742000.01032581320.01050523200.01068564880.01086703660.01104936850.0112326181
240.00988026570.01005961880.01024001510.01042142480.01060381880.01078716830.01097144500.0111566208
250.00980113080.00998239550.01016468960.01034798190.01053224140.01071743790.01090354140.0110905227
260.00973127300.00991434980.01009843920.01028350820.01046952460.01065645650.01084427290.0110329433
270.00966950160.00985429310.01004007770.01022682090.01041448890.01060304870.01079246800.0109827154
280.00961479950.00980121130.00998859400.01017691180.01036612980.01055621380.01074713060.0109388478
290.00956629430.00975423450.00994312140.01013291790.01032358810.01051509690.01070741020.0109004947
300.00952323400.00971261390.00990291430.01009409730.01028612600.01047896430.01067257760.0108669321

#### 13.00% to 14.75%

Term (years)13.00%13.25%13.50%13.75%14.00%14.25%14.50%14.75%
10.08931727570.08943460920.08955202740.08966953020.08978711760.08990478950.09002254600.0901403869
20.04754182260.04765933390.04777701450.04789486430.04801288330.04813107120.04824942800.0483679537
30.03369395200.03381449370.03393528730.03405633280.03417762980.03429917810.03442097740.0345430277
40.02682749590.02695174340.02707632300.02720123410.02732647650.02745204960.02757795290.0277041859
50.02275307300.02288125520.02300984600.02313884490.02326825080.02339806320.02352828110.0236589037
60.02007410520.02020629300.02033896220.02047211140.02060573950.02073984500.02087442680.0210094833
70.01819196330.01832815340.01846489280.01860217950.01874001160.01887838720.01901730420.0191567608
80.01680725510.01694740140.01708815970.01722952710.01737150100.01751407860.01765725710.0178010336
90.01575358770.01589761650.01604231410.01618767690.01633370120.01648038310.01662771900.0167757050
100.01493107400.01507889160.01522742890.01537668120.01552664350.01567731110.01582867890.0159807422
110.01427610790.01442760580.01457986800.01473288850.01488666120.01504117980.01519643830.0153524303
120.01374625240.01390131080.01405717160.01421382750.01437127080.01452949420.01468848990.0148482502
130.01331210260.01347059270.01362991700.01379006650.01395103220.01411280490.01427537570.0144387353
140.01295263580.01311442230.01327706830.01344056310.01360489610.01377005680.01393603430.0141028180
150.01265242170.01281736430.01298318540.01314987270.01331741390.01348579660.01365500860.0138250376
160.01239987840.01256783370.01273668040.01290640440.01307699180.01324842860.01342070080.0135937946
170.01218614440.01235696680.01252868780.01270129150.01287476230.01304908450.01322424260.0134002210
180.01200432530.01217786890.01235231270.01252763910.01270383090.01288087070.01305874140.0132374260
190.01184897950.01202509870.01220211460.01238000800.01255876000.01273835170.01291876460.0130999801
200.01171575710.01189430770.01207374680.01225405380.01243520810.01261718940.01279997770.0129835530
210.01160114180.01178198200.01196369840.01214626880.01232967110.01251388380.01269888540.0128846549
220.01150226360.01168525470.01186910580.01205379330.01223929390.01242558480.01261264320.0128004472
230.01141675920.01160176620.01178761370.01197427680.01216173110.01234995260.01253891760.0127286030
240.01134266820.01152956040.01171727060.01190577300.01209504200.01228505260.01247578040.0126672014
250.01127835300.01146700430.01165644880.01184665970.01203761040.01222927530.01242162920.0126146474
260.01122243770.01141272710.01160378290.01179557730.01198808320.01218127430.01237512470.0125696094
270.01117376000.01136557180.01155812150.01175138080.01194532180.01213991780.01233514260.0125309709
280.01113133370.01132455770.01151848990.01171310140.01190836410.01210425080.01230073520.0124977918
290.01109431830.01128884990.01148405900.01167991650.01187639410.01207346430.01227110090.0124692782
300.01106199520.01125773520.01145412180.01165112530.01184871750.01204687090.01224555930.0124447572

#### 15.00% to 16.75%

Term (years)15.00%15.25%15.50%15.75%16.00%16.25%16.50%16.75%
10.09025831230.09037632220.09049441640.09061259500.09073085790.09084920510.09096763650.0910861522
20.04848664800.04860551100.04872454250.04884374230.04896311050.04908264690.04920235130.0493222238
30.03466532850.03478787970.03491068100.03503373220.03515703300.03528058320.03540438260.0355284307
40.02783074830.02795763940.02808485890.02821240620.02834028080.02846848220.02859701000.0287258635
50.02378993010.02392135950.02405319110.02418542390.02431805710.02445108980.02458452110.0247183501
60.02114501330.02128101550.02141748830.02155443050.02169184060.02182971720.02196805870.0221068639
70.01929675470.01943728410.01957834690.01971994080.01986206390.02000471410.02014788900.0202915867
80.01794540530.01809036930.01823592280.01838206260.01852878600.01867608980.01882397120.0189724269
90.01692433730.01707361190.01722352500.01737407260.01752525080.01767705540.01782948250.0179825281
100.01613349570.01628693460.01644105370.01659584790.01675131210.01690744120.01706422990.0172216730
110.01550914960.01566658980.01582474470.01598360770.01614317260.01630343280.01646438200.0166260135
120.01500876770.01517003440.01533204270.01549478480.01565825300.01582243930.01598733610.0161529354
130.01460287460.01476778440.01493345560.01509987880.01526704480.01543494450.01560356850.0157729077
140.01427039720.01443876110.01460789900.01477780030.01494845420.01511985010.01529197720.0154648249
150.01399587120.01416749720.01433990340.01451307750.01468700740.01486168100.01503708610.0152132107
160.01376769610.01394239140.01411786690.01429410870.01447110340.01464883730.01482729710.0150064693
170.01357700430.01375457730.01393292470.01411203140.01429188240.01447246280.01465375790.0148357530
180.01341690750.01359716930.01377819470.01395996730.01414247070.01432568890.01450960580.0146942059
190.01328197980.01346474580.01364826010.01383250500.01401746300.01420311700.01438944980.0145764448
200.01316789580.01335298680.01353880690.01372533730.01391255940.01410045510.01428900640.0144781956
210.01307117140.01325841470.01344636450.01363500100.01382430500.01401425720.01420483910.0143960322
220.01298897480.01317820470.01336811590.01355868780.01374990020.01394173340.01413416810.0143271853
230.01291898610.01311004480.01330175740.01349410260.01368705970.01388060830.01407472870.0142694016
240.01285929230.01305203020.01324539290.01343935850.01363390610.01382901480.01402466460.0142208360
250.01280830610.01300258200.01319745240.01339289510.01358888890.01378541270.01398244650.0141799705
260.01276470420.01296038540.01315663000.01335341590.01355072150.01374852580.01394680870.0141455506
270.01272737810.01292434050.01312183490.01331983930.01351833200.01371729220.01391669990.0141165357
280.01269539590.01289352380.01309215250.01329125980.01349082440.01369082570.01389124390.0140920600
290.01266797160.01286715770.01306681350.01326691710.01346744760.01366838450.01386970870.0140714013
300.01264444020.01284458500.01304516920.01324617100.01344757000.01364934620.01385148080.0140539557

#### 17.00% to 18.75%

Term (years)17.00%17.25%17.50%17.75%18.00%18.25%18.50%18.75%
10.09120475210.09132343610.09144220430.09156105660.09167999290.09179901330.09191811760.0920373060
20.04944226410.04956247220.04968284790.04980339120.04992410200.05004498010.05016602540.0502872378
30.03565272750.03577727270.03590206590.03602710690.03615239550.03627793140.03640371430.0365297439
40.02885504230.02898454590.02911437360.02924452500.02937499960.02950579680.02963691600.0297683566
50.02485257580.02498719730.02512221370.02525762410.02539342740.02552962280.02566620920.0258031856
60.02224613110.02238585900.02252604600.02266669050.02280779110.02294934620.02309135430.0232338137
70.02043580490.02058054130.02072579380.02087156010.02101783800.02116462510.02131191920.0214597179
80.01912145410.01927104950.01942121000.01957193260.01972321410.01987505130.02002744100.0201803799
90.01813618790.01829045800.01844533410.01860081200.01875688770.01891355690.01907081530.0192286588
100.01737976520.01753850130.01769787600.01785788400.01801851990.01817977840.01834165410.0185041416
110.01678832090.01695129770.01711493730.01727923310.01744417870.01760976730.01777599240.0179428475
120.01631922940.01648621020.01665387010.01682220100.01699119520.01716084490.01733114200.0175020789
130.01594295290.01611369470.01628512410.01645723170.01663000850.01680344540.01697753310.0171522626
140.01563838270.01581264000.01598758610.01616321070.01633950320.01651645330.01669405050.0168722847
150.01539004290.01556757080.01574578250.01592466620.01610421040.01628440330.01646523360.0166466897
160.01518634070.01536689810.01554812860.01573001900.01591255670.01609572890.01627952300.0164639266
170.01501843380.01520178580.01538579500.01557044720.01575572860.01594162560.01612812460.0163152123
180.01487947340.01506539310.01525194970.01543912830.01562691420.01581529270.01600424970.0161937709
190.01476408540.01495235530.01514123850.01533071920.01552078200.01571141160.01590259300.0160943115
200.01466800550.01485841900.01504941930.01524099010.01543311520.01562577900.01581896580.0160126606
210.01458781840.01478018030.01497310060.01516656220.01536054880.01555504420.01575003240.0159454983
220.01452076660.01471489390.01490954950.01510471620.01530037720.01549651620.01569311710.0158901645
230.01446460820.01466033000.01485654940.01505324870.01525041130.01544802050.01564606050.0158445156
240.01441751000.01461466810.01481229240.01501036540.01520887030.01540779080.01560711090.0158068152
250.01437796580.01457641390.01477529700.01497459770.01517429940.01537438590.01557484150.0157756512
260.01434473260.01454433640.01474434440.01494473950.01514550520.01534662580.01554808600.0157498710
270.01431678090.01451741750.01471842820.01491979640.01512150590.01532354140.01552588800.0157285314
280.01429325550.01449481310.01469671560.01489894690.01510149150.01530433440.01550746130.0157108585
290.01427344450.01447582130.01467851520.01488151060.01508479230.01528834620.01549215850.0156962160
300.01425675340.01445985760.01466325230.01486692250.01507085370.01527503240.01547944530.0156840801

#### 19.00% to 20.75%

Term (years)19.00%19.25%19.50%19.75%20.00%20.25%20.50%20.75%
10.09215657820.09227593440.09239537440.09251489830.09263450590.09275419730.09287397240.0929938313
20.05040861720.05053016350.05065187660.05077375630.05089580260.05101801540.05114039440.0512629396
30.03665602000.03678254230.03690931050.03703632420.03716358340.03729108750.03741883640.0375468298
40.02990011820.03003220020.03016460190.03029732280.03043036230.03056371990.03069739500.0308313868
50.02594055110.02607830470.02621644540.02635497200.02649388370.02663317940.02677285800.0269129185
60.02337672300.02352008050.02366388450.02380813360.02395282610.02409796020.02424353440.0243895471
70.02160801900.02175682000.02190611870.02205591260.02220619930.02235697650.02250824160.0226599924
80.02033386490.02048789280.02064246010.02079756380.02095320040.02110936660.02126605920.0214232747
90.01938708300.01954608370.01970565660.01986579740.02002650170.02018776520.02034958360.0205119525
100.01866723550.01883093050.01899522100.01916010180.01932556720.01949161200.01965823060.0198254176
110.01811032580.01827842090.01844712610.01861643480.01878634040.01895683630.01912791600.0192995729
120.01767364770.01784584050.01801864960.01819206720.01836608550.01854069670.01871589330.0188916674
130.01732762490.01750361090.01768021170.01785741830.01803522180.01821361330.01839258420.0185721256
140.01705114560.01723062300.01741070690.01759138710.01777265380.01795449700.01813690700.0183198740
150.01682876030.01701143420.01719470030.01737854760.01756296500.01774794190.01793346750.0181195313
160.01664892730.01683451310.01702067180.01720739150.01739466050.01758246720.01777080020.0179596480
170.01650287540.01669110100.01687987640.01706918870.01725902570.01744937500.01764022460.0178315626
180.01638384240.01657445070.01676558230.01695722390.01714936270.01734198580.01753508070.0177286352
190.01628655260.01647930230.01667254660.01686627180.01706046470.01725511220.01745020130.0176457197
200.01620684850.01640151510.01659664610.01679222760.01698824610.01718468830.01738154130.0175787924
210.01614142650.01633780260.01653461200.01673184090.01692947560.01712750290.01732590970.0175246836
220.01608764310.01628553830.01648383570.01668252130.01688158170.01708100360.01728077430.0174808813
230.01604337080.01624261150.01644222350.01664219290.01684250650.01704315140.01724411500.0174453852
240.01600688890.01620731760.01640808730.01660918460.01681059650.01701231030.01721431390.0174165956
250.01597680030.01617827490.01638006130.01658214640.01678451770.01698716300.01719007070.0173932293
260.01595196670.01615435940.01635703610.01655998410.01676319130.01696664610.01717033730.0173742542
270.01593145810.01613465490.01633810910.01654180880.01674574240.01694989870.01715426730.0173588378
280.01591451290.01611841200.01632254380.01652689670.01673145990.01693622280.01714117540.0173463083
290.01590050640.01610501760.01630973830.01651465760.01671976520.01692505130.01713050650.0173361219
300.01588892490.01609396850.01629920000.01650460940.01671018690.01691592330.01712180990.0173278384

## Sample computation

Given:

• Home loan amount: 1,000,000.00
• Interest rate: 7.5%
• Term: 20 years

Step 1 – Find the corresponding amortization factor for a 20 year term at 7.5% annual interest rate

The amortization factor is 0.0080559319 (see row for 20 years and column for 7.5% of table 7% to 8.75%)

Step 2 – Compute for the monthly amortization

The monthly amortization would be equal to Loan Amount x Amortization Factor

= 1,000,000.00 x  0.0080559319

= 8055.9319

## Want a more detailed example?

Click on the following for a more detailed example: How to compute monthly amortization payments

You can also verify the resulting monthly amortization using our home loan calculator.

~~~

Disclaimer: The data presented above are for reference purposes only. As always, our standard site disclaimer applies.

People encounter problems and make mistakes when buying foreclosed properties, and Jay wants to help people avoid those problems/ mistakes. Jay encountered a lot of those, which is why he started this blog in 2008 to serve as a guide where he shares lessons learned, and how to overcome challenges you may encounter when investing foreclosed properties in the Philippines … [Read more]
FREE CHECKLIST: IDENTIFY AND AVOID PROBLEMATIC FORECLOSED PROPERTIES BY DOING PROPER DUE DILIGENCE!
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### 55 thoughts on “Amortization Factor Rates (To Quickly Compute For Your Monthly Amortization)”

1. Thanks, Jay!

I’ve been using the amortization factor table for years.
Wishing you all the best.

– Ace

• Great to hear that, thank you Ace. By the way, I just noticed you had an email about inviting me to discuss about foreclosure prevention way back in 2020, which I wasn’t able to read until now. Really sorry about that.:-(

2. how much is the monthly amortization if i will loan 100000 in 2yrs?what is the computation?example lang po

• Ano po interest rate? Kailangan po ang interest rate para macompute

3. Jay, thank you for these amortization factor tables. I’ve been using it for my real estate deals every single day.

God bless!

• Hi Ace, kamusta na? You’re welcome and I’m glad you are using this in your real estate investing. God bless you too!

4. Hi,

I have one doubt for the factor calculation, could you please advise to me the factor rate will be constant up to maturity up bond. or it will be change monthly basis (like:after repaid payment).

and if factor will be change the difference between previous factor and current factor rate is our this month payment (Previous Factor – Current factor)* Principal amount

Thanks

5. Good day sir. Example po 235,200 loanable. If 12% interest in 1 year × factor rate 0.0888487887 = 20,897. Which is tama po sa binigay nila sakin computation. Pero ang gusto ko po sana malaman ung monthly if 1 and half year lang po. Di po nila ako mbigyan ng computation.hindi po nila alam paanu icocompute. May factor rate po kayo para sa 1 and half year? I’ll wait for your response po. Thanks po.

6. how to compute manually the terms of years..??just like 0.0080559319

7. Hi sir,

Your website is very good and very informative. Without your amortization factor table I wont be able to compute
how did the bank gave me the amount for my monthly payment on my housing loan. I also just found out that my bank gives a higher interest
compared to other banks. I wont mention the name of the bank here but I am quite pissed off w/ them and with the developer as they didnt gave
me other options to choose on w/c bank I want to have for my housing loan be processed.

My question is; pwede ko pa bang ilipat yun housing loan ko po to other banks after 1-2 years. Basically kase nasa kanila yun
title ng house and lot title di ba. So how can I get rid of my present bank to transfer to other bank(w/ lower interest rate) together my loan. 🙂
My friend suggested that I can transfer it to pag-ibig fund but they give a higher/same interest rate.
How bout bank into another bank, is that possible?

Also if you have more time. Please write up that also explains all about the fixed rate and why the intrest goes up depends on number of years.
Thanks and more power.

8. Hi Sir, your amortization calculator, tables & excel template are very useful but can I still use this for computing the monthly amortization & total loan amount when there are balloon payments made annually for 6 years? Also what if she has a fixed amount only for the monthly payment w/c is lower than the monthly amortization indicated in the excel template? Can I adjust the years of the loan so that the monthly amortization will reflect the amount that she is willing to pay? I tried doing this but am not sure if its correct to adjust the number of years.
You see, my client wants a rent-to-own scheme with 60k/ mo then 400k on the 12 month of every year. How do I compute it? Amount of loan is P5.8M, interest is 6% for 6 years. Thanks in advance.

• Hi Maritoni, thanks a lot for the kind words!

Yes, you can also use this for lumpsum payments, but you have to create an amortization schedule, and the principal will adjust accordingly when lumpsum payments are received. How did you arrive at 60K/month?

• Hi Jay 🙂 thanks for replying. I’m not really sure how the client arrived at the 60k, I think she felt that it is the only amount she can pay per month. I filled up your excel template & the amortization came out as 96k/mo but since she can only pay 60k/ mo + 400k on the 12th month—do I input those figures on column B (Monthly amortization) instead of the 96k? Was that what you meant when you said the principal will adjust accordingly?

Oh that makes it so much simpler, I was overthinking it. Thanks so much for the clarification 🙂

• Yes Maritoni, you can try to enter the 60K in column B, and then you should see the effect on the principal amount, and the enter 400K on the 12th month. After that you need to drag the rows downward to see the rest until the principal becomes zero.

• Yes I did that & it worked so well. Thanks again 🙂

• Glad to hear that! You’re welcome!

9. what is the standard formula for monthly amortization for government housing facility?

10. just wanted to ask. I applied for home loan to Bank A with 6.5% interest fix for 5 years on a 15-year term while from Bank B has 7% interest rate fix for 5 years in 20-year term. Basically looking at these figures, I opted for Bank A. But upon signing the documents, they require bank fees amounting to 88,900 plus annual insurance worth 19k plus. While Bank B only requires 54,431.17 bank charges and 15,438.77 for MRI (insurance) which is optional and is subject to change annually depending on the outstanding balance.

11. Hi sir Jay! how do you compute for the amortization factors in MS excel just like your tables,

12. sir saan po malalaman ang mga factore rates halimbawa ng 7 m sa pag ibig for 25 years can you give me a sample computation sir and the site of pag ibig factorate ty

• Hi Julie, will get back to you on this. We are also creating an online home loan calculator that uses parameters from Pag-IBIG. We’ll update you all when this is done.

13. hi po…tanong lng po ako kung pano ang computation ng interest rate ng isang lot sa subdivision na kinuha ko for two years. But sad to say na hinto yung payment ko last January 2012. sopposed to be matatapos sana MAy 9, 2013.

14. hi sir, can u please post factor rate at 24%, 30% and 32%? thank u very much!

• Hi Mhel, okay will add asap…

• Hi Mhel, you can now compute for this using the online amortization factor calculator we just created. Please try and let me know what you think. Thanks.

15. Pingback: Find The Best Financing With Our Home Loan Interest Rates Comparison Chart - ForeclosurePhilippines.com
16. Pingback: Monthly Amortization Payments: Back to Basics - ForeclosurePhilippines.com
• You’re welcome Alex!

17. Hi, may i ask for the factor rate of 1 and a half year..thank you

• hi jes simply divide your total monthly ammort to principal loan ammount to get factor rate. to compute montly ammortization multiply principal ammount into interest rate x term + principal ammount devided by terms.

ex; Pa; 1M * 1.5% = ____ * 18 + 1M / 18 = ____ m.a

for factor rate at 1 and half or 18 mos ; monthly ammort / 1M principal amt = factor rate.

18. THANKS FOR THE INFO SIR

• You’re welcome!

19. hi
you can give me a factor rate @ 23%

20. hi you can give factor rate at 23% thanks

21. hi you have factorate 23%

• Hi Joane, you can compute for this using the online amortization factor calculator we just created. Please try and let me know what you think.

22. Are these amortization factor rates used in the in-house financing of the developers or are these the rates used in the bank financing schemes?

• Most probably, unless they use a straight line method or other method.

23. i just want to know if there’s a law that tells that this is the right formula in any terms of loan..even if u loan from the owner of the house that u’r going to buy?

• Hi Jornelle,

I believe there’s no law that imposes the amortization formula to be used for loans. This is just one of the many methods or standards that can be used. I suppose it is up to the lender to decide which method to use. I hope I have answered your question. Thanks for dropping by, cheers!

24. wow! thank you so much sir this is what i have been looking for yehey!!! 🙂

• Thanks!

25. Excellent update, sir! thanks very much. I have this page bookmarked 🙂 Keep up the good work.

• Thanks Jon!

26. Pingback: How to compute for the monthly amortization payment without a mortgage calculator
• How do you compute for the amortization factors. Thanks. Hope to receive reply very soon.

• Hi Teresita,

The formula I use is as follows:

Amort factor=I/(1-(1+I)^-M)

where

I = the monthly interest rate which is equal to the annual interest rate divided by 12
M = the loan payment term in months

I use this formula in excel. I believe there is also a built in function in excel that can do this calculation but I haven’t tried that yet.

I got the formula above from my notes when I attended a seminar in real estate investing conducted by Urban Institute of real estate under Engineer Enrico Cruz.

• Where is the Urban Institute of Real Estate? How much is the seminar fee?

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