you just need a loan calculator - many sites have them for free - housebuz.com has them on there listings - you can just type in the amount and year etc -How do you figure interest for home loan?
I haven't seen the actual mathematical formula for a decade at least.
Yahoo.com, Quicken.com, Bankrate.com, mortgage101.com, etc... all have loan calculators aplenty. So does MS Excel.
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