Mortgage¶
Payments, amortization, and principal/interest splits.
calculate_mortgage_monthly_payment¶
Calculate the fixed monthly payment for a mortgage loan.
| Parameter | Type | Default | Description |
|---|---|---|---|
principal_cents |
int | required | Loan principal amount in cents (e.g., 40000000 = $400,000) |
annual_interest_rate |
float | required | Annual interest rate as decimal (e.g., 0.0675 for 6.75%) |
term_months |
int | required | Loan term in months (e.g., 360 for 30 years) |
Returns the monthly payment amount and helpful summary information.
generate_mortgage_amortization_schedule¶
Generate a complete or partial mortgage amortization schedule.
| Parameter | Type | Default | Description |
|---|---|---|---|
original_principal_cents |
int | required | Original loan amount in cents at origination |
annual_interest_rate |
float | required | Annual interest rate as decimal (e.g., 0.0675 for 6.75%) |
term_months |
int | required | Total loan term in months (e.g., 360 for 30 years) |
monthly_payment_cents |
int | required | Fixed monthly payment in cents (principal + interest) |
max_months |
int | null | Optional limit on months to generate (default: full term). Use for projections. |
Returns file URLs + compact inline summary. Full schedule data is written