Synoria AI Corporationشركة برمجيات ذاتية التشغيل
المحاسبة والمالية

Canadian Mortgage Prepayment & Renewal Optimizer

A Canadian mortgage is compounded semi-annually by law, not monthly - a calculator that divides the quoted rate by twelve is answering a different question. On $400,000 at a quoted 5.5% over 25 years, the correctly-derived monthly payment is $2,441.57. Prepayment privileges are use-it-or-lose-it per year and capped as a percentage of the ORIGINAL principal, not the current balance: a 15% privilege on that mortgage is $60,000 a year, and paying $20,000 of it saves $11,790.53 of interest over a 5-year term and leaves $244,959.47 owing at renewal instead of $356,750.00. At renewal, the same $244,959.47 balance costs $165,528.62 in interest over the remaining 240 months at a 5.75% renewal rate, or $150,841.49 including a $1,500 fee at a 5.25% competing rate - switching is $14,687.13 cheaper here, and stays cheaper up to a $16,187.13 fee.

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صُنع هذا المنتج لسوق Canada.

المحاسبة والمالية

Canadian homeowners approaching a mortgage renewal, and anyone deciding whether an annual lump-sum prepayment is worth making before that renewal date.

كيف يعمل

  1. Enter your principal, quoted rate, amortization and term - the payment shown is the one that rate and term actually produce.
  2. Enter the extra amount you plan to prepay each year; it is capped at the privilege you enter, not assumed to be free.
  3. Enter your lender's renewal rate and a competing rate with its switch fee.
  4. Read which option costs less over the remaining amortization, and by how much.

ماذا تكسب

  • Derives the monthly rate the way the Interest Act actually requires for a Canadian fixed-rate mortgage - the quoted rate compounded SEMI-ANNUALLY, converted to its monthly equivalent - not the annual rate divided by twelve
  • Caps any extra payment at the prepayment privilege entered, a percentage of the ORIGINAL principal per year, and says plainly how much of an over-privilege payment is actually applied rather than treating all of it as free
  • Shows interest paid over the current term with and without the extra payment side by side, so the saving is a number and not an assumption
  • Compares a real stay-or-switch renewal decision on the SAME remaining balance and the SAME remaining amortization, so only the rate and the one-time fee differ

لقطة شاشة

Canadian Mortgage Prepayment & Renewal Optimizer

تفاصيل تقنية

أساسية50.99 USD · 1500 طلبًا · ترخيص 31 يومًا · دفعة واحدة · وصول لمدة 31 يومًا
Pro101.98 USD · 6000 طلبًا · ترخيص 31 يومًا · دفعة واحدة · وصول لمدة 31 يومًا
العزلنسخة مخصصة لكل ترخيص
قياس الاستخداميُقاس استخدام LLM لكل ترخيص
الوصولدخول عبر الويب بمفتاح الترخيص

كيفية الإعداد والاستخدام

  1. اشترِ الترخيص — يظهر مفتاحك (lic_...) في صفحة الطلب وبريدك الإلكتروني.
  2. سجّل الدخول في app.synoriaai.com بمفتاح الترخيص.
  3. لا حاجة للتثبيت — يعمل المنتج في المتصفح على نسختك المعزولة.
  4. 1. Enter your mortgage details: original principal, current term rate, remaining balance, and remaining amortization.
  5. 2. Input your annual prepayment privilege (as a percentage of the original principal) and the extra amount you plan to pay each year.
  6. 3. Click 'Calculate Prepayment' to see the interest paid over the current term with and without the extra payment, plus the exact amount applied (capped if over your privilege).
  7. 4. For renewal, enter your current lender's renewal rate, the competing lender's rate, and any one-time switch fee.
  8. 5. Click 'Compare Renewal' to see which option is cheaper and the exact switch fee at which both offers cost the same.

الأسئلة الشائعة

How does the tool calculate the monthly rate for my mortgage?

It uses the rate compounding semi-annually as required by Canada's Interest Act, then converts that to an equivalent monthly rate. It does not simply divide the annual rate by 12.

What happens if I enter an extra payment that exceeds my prepayment privilege?

The tool caps the applied extra payment at your annual privilege (a percentage of the original principal) and clearly shows how much of your payment is actually applied versus the excess that would not be allowed.

Does the tool store or transmit my entered data?

No. All calculations happen locally in your browser. Your mortgage amounts, rates, and fees are never sent to a server or saved.

بعملات USDT أو USDC المستقرة عبر إحدى الشبكات المعروضة عند الدفع. تمسح رمز QR بالمبلغ الدقيق معبأً مسبقًا — لا حاجة لبطاقة ولا لربط محفظة.
يُرصد الدفع على السلسلة ويُطابق مع طلبك عبر مبلغه الفريد. بعد اكتمال التأكيدات يُولَّد مفتاح الترخيص وتُجهَّز نسختك من المنتج؛ وتتحدث صفحة الطلب من تلقاء نفسها.
لا. تدفع مرة واحدة بعملة مستقرة مقابل ترخيص لمدة 31 يومًا بحصة طلبات ثابتة. لا يوجد تجديد تلقائي — لمواصلة الاستخدام تشتري مرة أخرى ببساطة.
تتضمن كل باقة عددًا ثابتًا من الطلبات لفترة الترخيص. وهناك هامش صغير إضافي؛ وعند استنفاده تتوقف الطلبات حتى شراء ترخيص جديد.
نعم. يعمل كل ترخيص في نسخته المعزولة الخاصة مع مجلد بيانات خاص — لا يتشارك العملاء النسخة ولا البيانات أبدًا.
مدفوعات السلسلة لا تضيع أبدًا. احتفظ برقم طلبك وتواصل مع الدعم؛ يمكن دائمًا مطابقة الدفع مع طلبك.
يُبنى كل منتج لسوقه المستهدفة ويستخدم لغتها؛ وهذه الواجهة متاحة بتسع لغات.

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