{"id":210578,"date":"2021-03-01T19:00:00","date_gmt":"2021-03-02T00:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/how-to-determine-your-mortgage-payments\/"},"modified":"2024-05-31T13:16:28","modified_gmt":"2024-05-31T17:16:28","slug":"how-to-determine-amount-of-mortgage-payments","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/mortgages\/how-to-determine-amount-of-mortgage-payments\/","title":{"rendered":"Mortgages: How to determine your mortgage payments"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;Determine your payment amount&#8221; el_id=&#8221;determine_your_payment_amount&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]When you enter the real estate market <a target=\"_blank\" href=\"\/?p=132526\">to buy a property<\/a>, you will most likely need to <a target=\"_blank\" href=\"\/?p=132804\">obtain a mortgage<\/a> from a bank. Once you are approved for a mortgage, you will be required to make <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/event-aeroplan-estore\/attachment\/aeroplan-eboutique-fois-fr-2\/\">regular payments<\/a> until the full amount of the mortgage is paid off. However, different aspects will determine the amount of your regular payments:<\/p>\n<ul>\n<li><strong>Mortgage rate:<\/strong> Simply put, the higher the interest rate, the higher your payments will be. A mortgage rate can vary considerably depending on where you get your mortgage, as well as the current economic scenario.<\/li>\n<li><strong>The amount of the mortgage:<\/strong> Of course, it&#8217;s obvious: the more you borrow, the higher your payments will be. In addition, if you <a target=\"_blank\" href=\"\/?p=132461\">make<\/a> a down payment of less than 20% in Canada, you will have to pay CMHC insurance.<\/li>\n<li><strong>Frequency of payments:<\/strong> The more payments you make in a year, the smaller the payments will be.<\/li>\n<li><strong>Amortization period:<\/strong> Simply put, this is the length of your mortgage, and the longer it is, the lower your regular payments will be. However, the overall reimbursement amount will also be higher.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What are the different types of mortgage payment frequencies?&#8221; el_id=&#8221;what_are_the_different_types_of_mortgage_payment_frequencies_&#8221;][vc_custom_heading text=&#8221;Monthly mortgage&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;monthly_mortgage&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]A <a target=\"_blank\" href=\"\/?p=132529\">monthly<\/a> mortgage payment will be withdrawn from your bank account on a fixed day each month. This means that you will make <strong>12 payments per year<\/strong>. This is the most conventional mortgage frequency.[\/vc_column_text][vc_custom_heading text=&#8221;Bi-monthly mortgage&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;bi-monthly_mortgage&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]The biweekly mortgage payment is withdrawn from your bank account every two weeks. This means you will make <strong>26 payments per year<\/strong>. This may be more beneficial for those paid bi-weekly rather than weekly or monthly.[\/vc_column_text][vc_custom_heading text=&#8221;Accelerated bi-monthly mortgage&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;accelerated_bi-monthly_mortgage&#8221;][vc_column_text]As with standard bi-weekly payments, where you pay your mortgage every two weeks, the calculation to determine your payments is slightly different. To get <strong>the amount of each payment, you divide your conventional monthly payment by 2<\/strong>. In contrast, the standard bi-monthly payment multiplies the monthly by 12 and then divides it by 26.<\/p>\n<p>Example:<\/p>\n<ul>\n<li>Monthly = $1,500<\/li>\n<li>Semi-monthly = ($1,500 x 12)\/26 = $692<\/li>\n<li>Accelerated = ($1,500\/2) = $750.<\/li>\n<\/ul>\n<p>As you can see, the accelerated bi-monthly payments are slightly higher.[\/vc_column_text][vc_custom_heading text=&#8221;Weekly mortgage&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;weekly_mortgage&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]As the name implies, this is a weekly payment on your mortgage. This amount is calculated by taking your monthly mortgage, <strong>multiplying it by 12 and dividing it by 52<\/strong>. It is advantageous for those who are paid weekly or who wish to spread out payments as much as possible.[\/vc_column_text][vc_custom_heading text=&#8221;Accelerated Weekly Mortgage&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;accelerated_weekly_mortgage&#8221;][vc_column_text]Similar to the accelerated biweekly, it is calculated the same way. <strong>You take your monthly payment and divide it by 4 to get your weekly payment<\/strong>. This amount will be slightly higher than your standard weekly mortgage payment.<\/p>\n<p>Example:<\/p>\n<ul>\n<li>Monthly = $1,500<\/li>\n<li>Weekly = $346<\/li>\n<li>Accelerated = $375<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p>Looking for a competitive interest rate for your mortgage? Read our guides on <a title=\"Nesto\" href=\"https:\/\/milesopedia.com\/en\/go\/nesto\/\" rel=\"noindex\">nesto<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/mortgages\/neo-mortgage-services\/\">Neo Mortgage Services<\/a> (not available to Quebec residents): <\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"313442,348132\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_custom_heading text=&#8221;Determine your payment amount&#8221; el_id=&#8221;determine_your_payment_amount&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]When you enter the real estate market to buy a property, you will most likely need to obtain a mortgage from a bank. Once you are approved for a mortgage, you will be required to make regular payments until the full amount of the mortgage is paid off. However, [&hellip;]<\/p>","protected":false},"author":3,"featured_media":215035,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[46376],"tags":[],"mc_loyalty_program":[],"class_list":["post-210578","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages"],"acf":{"post_series":false,"mc_series_order":"","mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":null,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mortgages: How to determine your mortgage payments | Milesopedia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/personal-finance\/mortgages\/how-to-determine-amount-of-mortgage-payments\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgages: How to determine your mortgage payments\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_custom_heading text=&#8221;Determine your payment amount&#8221; el_id=&#8221;determine_your_payment_amount&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]When you enter the real estate market to buy a property, you will most likely need to obtain a mortgage from a bank. Once you are approved for a mortgage, you will be required to make regular payments until the full amount of the mortgage is paid off. However, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milesopedia.com\/en\/personal-finance\/mortgages\/how-to-determine-amount-of-mortgage-payments\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2021-03-02T00:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-31T17:16:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/06\/assurance.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"840\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jean-Maximilien Voisine\" \/>\n<meta name=\"twitter:card\" 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