Commercial Mortgage Calculator

A commercial property loan is quoted two ways at once: the payment is sized over a long amortization, often 25 years, while the loan itself matures in five or ten and the unpaid balance falls due in one lump. Enter the loan amount, rate, amortization period and term, and this tool returns the monthly payment, the interest and principal paid before maturity, and the balloon waiting at the end. A second tab works out debt service coverage, dividing net operating income by a full year of payments and showing the largest loan a lender's target ratio would support. Rate and terms are yours to supply, since commercial pricing is negotiated rather than posted.

Calculator Type

Payments are sized over the amortization period, but the balance left when the shorter term ends is due in one payment.

Loan Amount ($) *

Annual Interest Rate (%) *

Amortization Period (years) *

The schedule the payment is sized on, usually 20 to 30 years.

Loan Term Until Maturity (years) *

When the loan matures and the balance falls due, usually 5 to 10 years.

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