Hypotheken Comparison Rechner — Formel

## Comparing Mortgage Options

Comparing mortgages requires looking beyond the monthly payment to understand total cost over the loan life.

### Key Comparison Factors

- **Monthly payment**: Shorter terms have higher payments but lower total cost
- **Total interest**: The true cost of borrowing over the full term
- **Opportunity cost**: Lower payments free cash for other investments

### Common Comparisons

- 30-year vs 15-year fixed
- Fixed rate vs ARM
- Different lender offers
- Buying points vs no points

### Decision Framework

Choose the lower payment if cash flow is tight or you can invest the difference at a return exceeding the rate savings. Choose the lower total cost if you plan to hold the loan to maturity.