Capital City Bank Mortgage Rate Calculators


Capital City Bank Online Banking » Capital City Bank Mortgage Rate Calculators
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Capital City Bank mortgage calculators provide users with the ability to make informed financial decisions in regards to selecting a mortgage loan.

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Rates

Detailed mortgage rate information can be viewed on this webpage. Specific inquiries can be resolved by getting in touch with a customer service representative at 1(800)-245-7194 (toll free). Alternatively, individuals can also visit one of Capital City Bank’s many branch locations.

Calculators

How to Calculate

Payment/Amortization

This calculator determines fixed rate and adjustable rate monthly payments for a specific loan. The following inputs are required:

  • Loan amount
  • Interest rate
  • Loan term
  • Loan type
  • Show amortization table?

Once the above fields have been filled out, users must click on the red ‘Calculate’ button to view their results.

Rent vs. Own

This calculator is used to determine the overall costs associated with renting versus buying a house. To calculate, you need to enter the following details into the fields provided:

  • Monthly rent
  • Annual rent increase
  • Monthly renter’s insurance
  • Home purchase price
  • Down payment
  • Mortgage interest rate
  • Estimated home purchase costs
  • Property tax rate
  • Annual home maintenance
  • How long before selling?
  • Annual home appreciation
  • Selling costs
  • Interest earned on down payment
  • Your income tax rate

Once the above inputs have been entered, click the ‘Calculate’ button view the results.

Annual Percentage Rate (APR)

This calculator can be used to find out the yearly percentage rate for loans. In order to calculate, fill out the following fields:

  • Loan amount
  • Interest rate
  • Loan term
  • Loan type
  • Closing costs
  • Total closing costs

After you have filled out the fields, click ‘Calculate’ to generate the results.

Debt Consolidation

This calculator integrates your home mortgage with other debts such auto loan or credit cards. If you don’t fill out the interest rate, the calculator will automatically take 17.5% as the rate.  You will need to fill out the following fields in order to calculate:

Current Debt

  • Type of credit (Mortgage, Credit Card, Auto Loan)
  • Balance
  • Monthly payment
  • Interest rate

New Loan Information

  • Interest rate
  • term
  • Estimate closing costs

Once the required information has been entered, click on the ‘Calculate’ button to view the results.

Prepayment Savings

Paying additional amounts towards loan repayment brings down your interest cost as the time taken to repay the mortgage is reduces as is the pending balance. To find out how much you would save by making a certain amount as prepayment, fill out the following fields in the calculator:

  • Additional payment amount (Monthly or yearly)
  • Make first additional payment
  • Present loan balance
  • Interest rate
  • Remaining loan term (Years and months)
  • Loan type
  • Show amortization table?

Click on ‘Calculate’ to find out your savings.

Early Payoff

Clearing your loan before it is due will require certain additional payments. Find out what costs you could incur by filling out the following fields in the calculator:

  • Original loan amount
  • Original interest rate
  • Original loan term
  • Months already paid
  • Requested years to payoff

Once you have filled out the fields, you will need to click on ‘Calculate’ to know the costs.

Refinance Break-Even Point

If you have had a loan refinanced, this calculator will help you find out how long it will take you to break even. You will need to fill out the following fields:

  • Current monthly payment
  • New loan amount
  • New interest rate
  • Loan term
  • Closing costs

Just click on ‘Calculate’ after your have completed the form to know the break-even point.

Tax Savings

Find out how much your new loan will save you in taxes by filling out the following fields in the calculator and then clicking on ‘Calculate':

  • Property value
  • Loan amount
  • Interest rate
  • Loan term
  • Points
  • Calculate tax savings after
  • Property tax rate
  • Your income tax rate
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