You purchased a new house for $200,000 and financed the entire purchase with a $200,000 mortgage, payable monthly over 30 years at a yearly rate of 4.5%. How much do you owe on this house today after making 4 years of monthly payments?
a. $188,277.00
b. $ 44,439.65
c. $173,333.33
d. $186,177.19
e. $ 48,827.09
Loan amount =  200000 
Interest rate =  4.50% 
Monthly rate =4.5%/12=  0.00375 
Number of years =  30 
Number of monts in 30 years (n) =  360 
Monthly payment formula = P*i/(1((1+i)^n)) 

200000*0.00375/(1((1+0.00375)^360)) 

1013.37062  
So Monthly payment is  $1,013.37 
No of months remaining after 4 years of repayment(n)= (304)*12 =  312 
Unpaid balance formula (P)=monthly payment *(1((1+i)^n))/i 

1013.37*(1((1+0.00375)^312))/0.00375 

186177.1863  
So remaining balance of loan amount is  $186,177.19 
Answer is d 
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