Home price, the first input for our calculator, is based on your income, monthly debt payment, credit score and down payment savings. Here’s a breakdown with an explanation of each factor and how it influences your payment. SmartAsset’s mortgage payment calculator considers four factors - your home price, down payment, mortgage interest rate and loan type - to estimate how much you will pay each month. Factors That Determine Your Mortgage Payment The numbers can always be adjusted later.įor a more detailed monthly payment calculation, click the dropdown for “Taxes, Insurance & HOA Fees.” Here, you can fill out the home location, annual property taxes, annual homeowners insurance and monthly HOA or condo fees, if applicable. Don’t worry if you don’t have exact numbers to work with - use your best guess. In the dropdown box, choose your loan term. There are three fields to fill in: home price, down payment and mortgage interest rate. The first step to determining what you’ll pay each month is providing background information about your prospective home and mortgage. N = Number of Monthly Payments for 30-Year Mortgage (30 * 12 = 360, etc.) How SmartAsset's Mortgage Payment Calculator Works P = Principal Amount (initial loan balance) Mortgage Payment Formulaįor those who want to know the math that goes into calculating a mortgage payment, we use the following formula to determine a monthly estimate:
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To find a financial advisor who serves your area, try our free online matching tool. You can also try our home affordability calculator if you’re not sure how much money you should budget for a new home.Ī financial advisor can aid you in planning for the purchase of a home. You can adjust the home price, down payment and mortgage terms to see how your monthly payment will change. The voltage factors shown in Table 4 should be applied to both the power frequency withstand voltage and the impulse withstand voltage.SmartAsset’s mortgage calculator estimates your monthly mortgage payment, including your loan's principal, interest, taxes, homeowners insurance and private mortgage insurance (PMI). The table shows a 1% decrease in withstand voltages for each 100 meters above 1000 meters. Table 4 is utilized to determine altitude correction factors in accordance altitude. The final column is the Impulse withstand (U p).
The second is the Power-frequency withstand voltage (U d). The first column on the left is the Rated maximum Voltage (U r). Table 3 can also be used in a similar manor to 1 and 2. Table 3 provides the standard voltage ratings for equipment rated in accordance with ANSI/IEEE standards. Table 2 - IEC Rated Insulation Levels for Rated VoltagesĪNSI standards are similar to IEC standards in that they both use a multiplying factor and both have standard voltage withstand ratings based on equipment voltage rating. Table 1 - IEC Rated Insulation Levels for Rated Voltages
Metal-enclosed banks are considered to have lower exposer. Medium-voltage metal-enclosed harmonic filter banks equipped with lightning arresters are considered to have a lower degree of exposure and therefore the lower withstand voltage is most often chosen. The choice of insulation level for a give rated voltage should be made considering the degree of exposure to fast-front and slow-front over-voltages, the type of neutral earthing of the system, and the type of overvoltage limiting devices. The standards state the rated withstand voltage values for lightning impulse voltage (Up) and power-frequency withstand voltage (Ud) shall be selected without crossing the horizontal marked lines based on the rated voltage of the switchgear or control gear, or in NEPSI's case, the harmonic filter or capacitor bank.įor most of the rated voltages, several rated insulation levels exists to allow for application of different overvoltage performance criteria. In these tables, the withstand voltages are based on a standardized reference atmosphere (i.e. In accordance with IEC 60694, the rated insulation level for switchgear and control gear is selected from the values given in tables 1 and 2, depending on location. ANSI/IEEE and IEC standards provide a methodology for determining the impulse withstand voltage, and power frequency withstand voltage for medium-voltage components used in metal-enclosed harmonic filter banks at high altitude.
The insulating property of air decreases as the altitude increases, therefore this phenomenon must be taken into account for air insulated components applied at altitudes greater than 1000 meters (3300 feet). Generally, the "usual service conditions" defined in standards encompass ambient temperature, altitude, solar radiation, and environmental considerations. Medium-voltage metal-enclosed harmonic filter banks are designed and built with components that are based on application under "usual service conditions" as defined by IEC and ANSI standards.
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