Partially Amortized Loan Calculator
FinanceCalculate the payment and balloon payment on a partially amortized loan, where regular payments don't fully pay off the balance.
Monthly Payment
Your fixed monthly payment, calculated as if the loan fully amortized over the full amortization period.
Balloon Payment
$909,380.19
The remaining balance due as a lump sum at the end of the shorter payment period.
Total Paid During Payment Period
$1,053,085.88
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Frequently Asked Questions
How is a partially amortized loan calculated?
The monthly payment is computed as if the loan fully amortized over the full "amortization time" (e.g. 30 years). Since the borrower only pays for a shorter "payment period" (e.g. 10 years), the remaining balance at that point becomes due as a single balloon payment.
Why would a lender structure a loan this way?
A partially amortized structure keeps monthly payments low (as if spread over a long term) while requiring the loan to be paid off, refinanced, or sold much sooner -- common in commercial real estate lending.
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