HSBC Mortgage Rate Calculators


HSBC Online Banking » HSBC Mortgage Rate Calculators

HSBC Mortgage calculators can help users establish whether a home financing option is right for them. For information regarding mortgages offered by HSBC click here. One can also call customer service at 1(866)-731-4722 or visit the nearest branch.

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Rates

Qualified applicants can opt for a fixed rate mortgage or an adjustable rate mortgage.  For a detailed breakdown of rates check out Premiere Deluxe Rates, Advanced Deluxe Rates, Conforming rates and Government rates.

Calculators

How to Calculate

This calculator helps users determine the amount of loan they qualify for. It factors in income and expenses to arrive at a loan amount. The variables below are required:

  • Monthly income
  • Monthly Payments
  • Loan terms you desire
    • Interest rate
    • Term (years)
    • Down payment (% of price)
  • Taxes & insurance you expect
    • Property tax per annum
    • Property insurance per annum

Click “See your results” to view the loan amount.

 

This tool helps users determine how much they would pay every month for a given loan amount. The variables below need to be entered:

  • Loan amount
  • Term (years)
  • Appraised value
  • Interest rate (%)
  • Property insurance per annum
  • Property tax per annum

Click “See your results” to get the monthly payments.

 

This tool helps users determine which between a fixed rate and an adjustable rate mortgage has the better terms. The following details need to be entered:

  • Interest rate
  • Loan amount
  • Term (years)
  • Origination Charge
  • Charge For a Particular Interest Rate
  • Other settlement services
  • Your state + federal tax rate
  • Purchase price
  • Yearly property tax
  • Yearly property insurance
  • Years before you sell or pay off loan
  • Your savings rate
  • Adjustable Rate Mortgage Details
    • Months before first adjustment
    • Months between rate adjustments
    • Maximum rate adjustment
    • Minimum rate
    • Maximum rate
    • Margin
    • Index rate
    • Index rate change per adjustment
    • Months between index adjustments
  • Predicted change in rates

Click “See your results” to compare.

This tool helps users compare 2 fixed rate loans of different terms. The following details must be entered for both loans:

  • Interest rate
  • Term (years)
  • Loan amount
  • Origination Charge
  • Charge For Particular Interest Rate
  • Additional settlement services
  • Federal and state tax rate
  • Purchase price
  • Annual property tax
  • Annual property insurance
  • Period before selling or paying off loan (Years)
  • Savings rate

Click “See your results” to compare.

 

It is usually difficult for loan applicants to determine the full cost of the loan from the outset. This tool helps users determine the closing cost of a loan when all expenses and fees are considered. The variables below are required:

  • Purchase price
  • Term (years)
  • Loan amount
  • Rate of interest
  • Adjusted Origination Charges
  • Required services selected by lender:
    • Appraisal
    • Credit report
    • Flood Certification
    • Tax Service
    • Title services and lender’s title insurance
    • Owner’s title insurance
    • Government recording charges
    • Transfer taxes
  • Required Services You Can Shop For:
    • Survey
    • Pest Inspection
    • Yearly property tax
    • Yearly property insurance

Click “See your results” to compute the total cost.

Loan applicants often need to compare several loans to determine what will work best for them. This tool helps users compare two loans. The following details are required:

  • Term (years)
  • Origination Charge
  • Interest rate
  • Charge For Particular Interest Rate
  • Additional Settlement Services
  • If loans have adjustable rates
    • Period before first adjustment
    • Period between adjustments of rates
    • Highest rate adjustment
    • Minimum rate
    • Highest rate
    • Margin
    • Index rate
    • Index rate change for every adjustment
  • Period between index adjustments
  • Loan Amount
  • Federal and state tax rate
  • Purchase price
  • Annual property tax
  • Annual property insurance
  • Years prior to selling or paying off the loan
  • Your savings rate

Click “See your results” to compare.

 

 

 

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