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To calculate your mortgage payment manually, apply the interest rate (r), the principal (B) and the loan length in months (m) to this formula: P = B[(r/12)(1 + r/12)^m)]/[(1 + r/12)^m - 1]. This formula takes into account the monthly compounding of interest that goes into each payment.How long will it take to pay off my loan?
Depending on the year in which you took out your loan, it will simply be written off after 25 years, 30 years, or when you turn 65.