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Ghana · GHS

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HomeCalc

Mortgage calculator for Ghana

See what you pay each month, and how the payment moves when the rate changes.

No local legal figures for Ghana

HomeCalc has no data on fees, taxes or lending limits in Ghana. The loan maths and GHS formatting still work. Every fee starts at 0: enter your own, then check them with your lender or a local adviser.

Your loan

Example values: replace them with your own.

GHS
GHS
20% of the price · Loan GHS 232,000.00
years
240 months
Interest rates
%
months
%
Base rate plus margin, as your bank quotes it
Repayment method

The same payment every month within each rate period

Prepayment
GHS
%
Default in month 24: 0% of the amount prepaid. Change it to match your loan contract.
After prepaying

Results

Monthly payment

GHS 5,434.77

Ghana · GHS · Basic: fees entered by you

Highest payment
GHS 5,434.77
Total interest
GHS 1,072,297.00
Total paidPrincipal plus interest
GHS 1,304,297.00

Note

HomeCalc works out the loan and adds up the fees you enter. It provides no legal figures for Ghana: no fees, taxes or lending limits. It is not financial, legal or tax advice. Before you decide, check every figure with your lender or a licensed adviser in Ghana. This site never stores the numbers you enter; they live only in the page address.

The monthly rate is the annual rate spread evenly over the months; amounts are rounded to the smallest unit of GHS. Lenders in Ghana may work out interest differently.

The link carries only the numbers you entered. The site keeps no copy of them.

Next: home-buying costs

Interest and principal by year

  • Interest
  • Principal
  • Monthly payment
Interest and principal by yearStacked bars for 20 years showing interest and principal paid each year, with a line for the monthly payment, starting at GHS 5,434.77. Exact figures are in the schedule table.Year 1: interest GHS 64,924.27, principal GHS 292.97Year 2: interest GHS 64,830.84, principal GHS 386.40Year 3: interest GHS 64,707.65, principal GHS 509.59Year 4: interest GHS 64,545.15, principal GHS 672.09Year 5: interest GHS 64,330.84, principal GHS 886.40Year 6: interest GHS 64,048.18, principal GHS 1,169.06Year 7: interest GHS 63,675.38, principal GHS 1,541.86Year 8: interest GHS 63,183.72, principal GHS 2,033.52Year 9: interest GHS 62,535.24, principal GHS 2,682.00Year 10: interest GHS 61,680.02, principal GHS 3,537.22Year 11: interest GHS 60,552.06, principal GHS 4,665.18Year 12: interest GHS 59,064.46, principal GHS 6,152.78Year 13: interest GHS 57,102.45, principal GHS 8,114.79Year 14: interest GHS 54,514.78, principal GHS 10,702.46Year 15: interest GHS 51,101.99, principal GHS 14,115.25Year 16: interest GHS 46,600.92, principal GHS 18,616.32Year 17: interest GHS 40,664.51, principal GHS 24,552.73Year 18: interest GHS 32,835.13, principal GHS 32,382.11Year 19: interest GHS 22,509.09, principal GHS 42,708.15Year 20: interest GHS 8,890.32, principal GHS 56,279.12per yearper month20,00040,00060,00080,0002,0004,0006,000Year 55Year 1010Year 1515Year 2020

Year

Show what happens if rates rise

If the floating rate rises

The promotional period stays the same; only the floating rate goes up.

Show yearly schedule

Yearly schedule

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