How much can you earn from your website? Examples and figures (2019 upd.)

What determines the size of the contribution and how to choose the most favorable and easy conditions for yourself?

There are several factors based on which the monthly amount you will owe the bank for the apartment is calculated:

Loan amount . If you have a mortgage loan of 600 thousand and 3 million rubles, the amount of monthly payments will differ, and radically.
Loan terms . The length of the term also increases the amount of monthly payments.
Loan interest rate .
Typically the annual percentage rate is stated. For some borrowing banks it is floating, and for others it does not change at all over the entire payment period. Initially, pay attention not to the method of repaying the mortgage, but to the rate. This will help you save a certain amount in the end.
Down payment to the bank . The size of the down payment directly correlates with subsequent mortgage interest. The initial payment is usually 10-30% of the total amount of future payments.

Banks also allow you to choose the currency in which you will repay your mortgage loan. Typically, loans in foreign currency (dollar, euro) have a lower loan rate. But due to fluctuations in exchange rates, you have a chance to lose large amounts, so many people prefer to make payments in rubles because of the reliability.

The rules for taking out and issuing loans are specified in the federation. Law “On Mortgage (Pledge of Real Estate)”.

Mortgage for 1,000,000 - examples of calculations

Unfortunately, in our time, a million-dollar mortgage sounds ridiculous to residents of the capital and many large cities in Russia. Such real estate prices exist only in small towns in the province. However, for most residents of these cities, saving such an amount to buy an apartment is very difficult, given the current level of wages.

Therefore, let's calculate a mortgage for 1,000,000: how much to pay per month under different initial conditions.

How much to pay per month

The monthly mortgage payment for a million rubles will be a different amount, which will primarily depend on the loan term and the bank’s annual interest rate:

At a minimum interest rate of 10.5% for a period of 3 years, the monthly payment will be 32,503 rubles, 5 years - 21,494 rubles, 10 years - 13,494 rubles;
At a rate of, for example, 12.5% for a period of 3 years, every month you will need to pay 33,454 rubles, 5 years - 22,496 rubles, 10 years - 14,638 rubles;
At a higher rate, for example 16% for a period of 3 years, you will have to pay 35,158 rubles, 5 years - 24,319 rubles, 10 years - 16,752 rubles.

Mortgage for 15 years

If you take a million to buy a home for a longer period, the numbers will be different. The monthly payment at different interest rates will be as follows when taking out a 15-year mortgage:

At a rate of 10.5%, the payment will be 11,054 rubles;
At a rate of 12.5%, you will need to pay 12,326 rubles monthly;
At a rate of 16%, payment each month will be 14,688 rubles.

All the examples we looked at involved annuity payments. For differentiated contributions, a new amount is reduced every month.

How is the calculation done?

The amount of the debt is very easy to calculate: divide the loan amount by the total number of months.

OD = SK / KP , where:

OD – principal debt.
SC – loan amount.
KP – number of periods.

When calculating the amount of interest, two approaches are used, which makes them more complex:

Many banks calculate payments using a 12 month formula:

NP = OK × PS / 12 , where:

NP – accrued interest.
OK – loan balance.
PS – annual rate.

Some take the number of days for calculations - 365:

NP = OK × GPS × KDM / 365 , where:

NP – accrued interest.
OK – loan balance.
APR – annual interest rate.
KDM – number of days in a month.

To calculate your monthly payment, you have the right to use a loan calculator on any of the websites of the selected financial organization.

Most banks cooperate with borrowers under an annuity payment scheme, which is more understandable. With this method, the amount of your payment is the same for the entire payment period, and the bank itself distributes this money to repay accrued interest on the loan or the principal debt for housing. The advantage of this type of payment is that the amount is constant.

When calculating the monthly annuity payment, you must use the formula:

AP=T*(p+P(1+p)m-1) , where:

AP – monthly payment amount.
T – loan body.
p - 1/12 of the interest rate.
m – count – in months.

For example:

When applying for a loan using the annuity payment method in the amount of 1.5 million rubles for a period of 120 months at a rate of 11 percent (11/12*100=0.009), the monthly payment will be:

AP=1500000 * (0.009+0.009(1+0.009)120-1)=1500000 * (0.009+0.0091.930)= 20494.82.

How to calculate

Let's look at an example of calculating debt in the amount of 1 million rubles and with an interest rate of 12% per annum.
We will choose three periods for keeping calculations:

Mortgage for 10 years - the monthly payment is RUB 14,347.09.
Mortgage for 15 years - the monthly payment is reduced and amounts to RUB 12,001.68.
A 30-year mortgage has a smaller payment of RUB 10,286.13, but a larger overpayment on the total debt.

You can do all these calculations yourself using a convenient online calculator tool.
To do this, you need to know the loan amount, interest rate and loan terms in months. As a result of the calculation, you will see the amount of the monthly payment, the total amount of the mortgage and the amount of overpayment to the bank. Important!

The online calculator provides preliminary calculations.
The tool does not take into account additional payments for banking services: opening an account, drawing up an agreement, and other one-time payments. Also, be prepared to pay a monthly service fee at the cash register. During the pre-settlement process, pay attention to the interest rate. For a mortgage, it should not exceed 17% per annum. Anything more is not profitable for the client. In this case, look for another bank with more acceptable lending conditions.

But if the candidate for a loan has already decided on a bank, then you need to use the calculator application on the website of the same financial organization. A specifically configured program will allow you to quickly calculate the overpayment for each period:

for 10 years - the amount of overpayment will be 721,650.8 rubles;
for 15 years - the amount of overpayment will be 1,160,302.4 rubles;
for 30 years - the amount of overpayment will be 2,703,006.8 rubles.

With such a difference in overpayment, there are practically no differences in monthly contributions.
The calculations were shown above. They amounted to 14,347.09 rubles/month. for a 10-year mortgage and 10,286.13 rubles/month. for a 30 year mortgage. Therefore, do not be afraid to calculate the repayment of a bank loan over a 10-15 year loan term. In this case, you will deposit 4 thousand rubles into the bank’s cash desk every month. more, but reduce the total overpayment by 60%. In our case, this is almost 2 million rubles. Remember!

When calculating bank debt using the calculator, insurance is not taken into account.
And it makes up the majority of the overpayment. Only the bank manager can tell you the amount of the insurance policy that you will be required to pay. The fact is that the mortgage lending program requires insurance:

purchased real estate - you cannot refuse this policy;
life and health of the borrower - you can refuse.

The cost of the insurance policy must be indicated in the main contract.
The insurance amount is usually 0.3-0.5% of the property price. The real estate itself is assessed by an expert. Most often, such a specialist is invited by the bank. The following factors influence the estimated value:

the material from which the walls and ceilings are made; specifications; condition of engineering systems (sewage, ventilation, water supply, gas pipeline (if available), electrical);
quality of building materials, condition of the roof, type of soil on the site, availability of free space.

The cost of the policy increases to 1.5% if calculations for disability or life of the borrower are added to the insurance on the property itself. The insurer must take into account the client’s age category, his state of health at the time of signing the contract and his area of employment.

Note!

If you involve co-borrowers, the bank may require you to insure them too.
And these are additional mortgage costs. Do not give up making preliminary calculations for your future loan. After all, you will be borrowing a large amount from the bank for a long period of time. Therefore, you must be sure that your income is enough to pay off your debt monthly, and there will still be money left for living. If the fees are too high for you, consider using another lender. Banks offer different interest rates when applying for a mortgage. Some have promotions to reduce the annual interest or the size of the down payment. And this is a good way to save on purchasing a home.

What is needed to create a schedule of deposited funds?

Calculate the monthly annuity payment. You can round up the calculated payment amount so that the final payment is a smaller amount.
Create an Excel spreadsheet and add all the information you have for your convenience.
Please note: if the date on which you were supposed to make a payment falls on a weekend or holiday, the payment will automatically be transferred to the next weekday.
To calculate the remaining data, use the formulas and capabilities of Excel:
To calculate the monthly annuity payment, you must use the PMT function from the Financial category. There are a few things you need to fill out:
- Rate (loan interest rate).
Bs (initial loan amount).
Ps (enter 0, since this is the final balance on the loan - the end of payments).
Type (we also enter 0, because payments in the Russian Federation are most often calculated at the end of the month).

Minimum transfer of money to the bank in one period

To make your monthly payment lower, you can increase the loan term to the maximum . Many people take out a mortgage for 20-25 years, which does not mean that they are going to pay it off for the entire term. After all, with a smaller payment amount, you can repay the loan in larger amounts and ahead of schedule.
Choose a differentiated repayment scheme .
With this type of payment, the amount will become smaller each month due to the repayment of the debt in equal installments and the accrual of mortgage interest only on the balance of the debt. The disadvantages of this payment method are that the first time payments are made, the amount will be greater than with an annuity, and in order to take out a mortgage using this loan method, you must have greater solvency. But over time the amount will become smaller. Such banking offers are quite rare. (the overpayment is significantly less than with an annuity) And if you also choose a low loan rate, you will be able to pay off the mortgage with minimal costs.
You have the right to refuse additional insurance contracts , saving on annual insurance payments. But be careful: some banks put higher mortgage rates without concluding such agreements!
You can make a large down payment , which will lead to a reduction in the amount of monthly payments.
If you have the opportunity to use a mat. capital when buying a home - feel free to do it! As a result, when recalculating the schedule, you can reduce the payment amount, leaving the term the same.

How much do you have to pay per month if you take out a mortgage?

1.5 million for 20 years .
With a mortgage of 12% per annum in the amount of 1.5 million for a period of 20 years, the amount of monthly payments will be about 16,516 rubles. In this case, the overpayment will be 2,463,910 rubles. But if we make an initial payment of 20% (300 thousand), the overpayment will be significantly less - 1,971,128 rubles, and the monthly contribution will be 13,213 rubles.
1,000,000 for 20 years .
Let's consider the following option - if you take out a mortgage of 1,000,000 rubles, how much to pay per month on the mortgage? So, with a mortgage for a period of 20 years (240 months) at an interest rate of 12%, the amount of monthly payments is 11,011 rubles. The overpayment for the entire loan term will be RUB 1,642,607. When making a standard down payment of 200 thousand, the overpayment on the loan will be 1,314,085 rubles, the amount of the monthly payment will be 8,809 rubles.
2 million for 20 years . Under the same conditions, taking out a loan in the amount of 2 million will cost you 22,022 rubles per month with an overpayment of 3,285,213 rubles, but if you make 400 thousand as a down payment, the overpayment will decrease and amount to 2,628,171 rubles. with a monthly payment of 17,617 rubles.
600 thousand for 20 years . And if you take a small amount of 600 thousand rubles for 20 years. – it is necessary to pay a monthly amount of 6,607 rubles. Overpayment – 985,564 rubles; Having paid 120 thousand in advance, we receive an overpayment in the amount of 788,451 rubles. with a monthly payment of 5,285 rubles.
3 million for 20 years .
If we take 3 million, we will need to pay 33,033 rubles monthly, the overpayment for the entire loan period (20 years at a rate of 12% per annum) will be 4,927,820 rubles. If you deposit 600 thousand rubles, we receive an overpayment of 3,942,256 rubles; you will have to pay 26,426 rubles monthly.

Affiliate program.

Or simply “affiliate” is a type of cooperation when the seller shares profits with you, and in return you supply him with clients.

Example: There is a certain Vasya Pupkin-Nevsky and he sells his super course “100 chicken breast dishes”. The course is available in electronic format and on DVDs. And so Vasya tells you, if you bring me a client and he buys a course from me, I will pay you 30% of the purchase. In the end, you and I will earn money. Everyone benefits, everyone is happy.

There are many types of affiliate programs. You can advertise the services of an airline company and earn money from ticket sales. You can advertise the services of cosmetic companies and also receive a percentage of their sales. You can advertise books from an online store, and its owner will pay you a commission.

Almost every major store, service, company or course has “affiliate programs”. So, no matter what site you have, you will find a suitable “affiliate” for it.

How much can you earn from it?

Here the price range is also very wide. There are hundreds of sites on the Internet that offer affiliate programs. I will show an example using a very popular affiliate program of info-products (training courses on DVD, popular not so long ago).

Example: you still have a culinary site with 1000 visitors.

Find paid courses on your topic on the Internet;
Register in the affiliate program;
In your personal account you are given banners or links for advertising with a unique identifier (your id);
Place banners or links on your website.

Now, when users of your site click on the course banner, go to the site of its owner and buy it, you will receive your commission.

We count

So, the best part. Let's say the course costs 3,000 rubles. The standard commission percentage is 30%. 3000 * 25% = 900 rub.

That's exactly 900 rubles. You will receive if someone saves the course by following your link or banner.

As a result, the more traffic to your site, the more people will buy the course or other product that you are advertising.

Overpayment amount

TIP : The amount of overpayment for mortgage lending can be clarified when applying for a loan from bank employees. They will be required to provide you with all relevant information. Typically, interest on overpayments due to the long loan term exceeds 100.

The borrower can also independently calculate the amount of the overpayment: to do this, you need to multiply the loan amount by the interest, and then by the loan term. True, the amount may not be accurate due to factors not taken into account - the date of receipt and repayment of the mortgage, the date of write-off of interest.

For example, with an amount of 2 million rubles and a rate of 12% for 5 years, the amount of overpayment will be 664,551, for 10 - 1,434,332, but when paying off a mortgage for 20 years, the amount of overpayment will be as much as 3,267,457!

Is partial early repayment of the loan beneficial?

Undoubtedly yes, especially for those who do not take out a consumer loan, but a large amount, such as a mortgage loan.

Let's calculate how much the payment will be reduced in case of partial early repayment:

We write down the basic information on the mortgage: loan term, rate and size.
We calculate the new payment amount: OD = Initial amount OD - Payment of the principal debt - Early payments.
We calculate how many months we have left to pay: n = 120 - 5 = 115.
We substitute the data into the annuity calculation formula and get a new payment amount per month.

The payment will decrease not only by the amount you contributed to the loan, but the interest will also become less, because there will be a recalculation based on the new loan amount.

You can also calculate the amount using a mortgage calculator for quick action.

If you repay early, you should choose to reduce the loan term rather than the size of the monthly payment , because in the second case the overpayment is almost not reduced.

Watch a video about calculating early repayment of a mortgage loan using a calculator:

Read about how to pay off your mortgage more profitably and pay off your loan faster here.

What to do if you can't pay your mortgage? On our website we talked about whether it is possible not to pay a mortgage and how to solve the problem if you do not have enough funds to repay the loan.

How much does YouTube pay for views?

Strictly speaking, YouTube does not pay for views . Advertisers pay for viewers to click from advertisements to their sites and for viewing ads that cannot be skipped. And Google, through its YouTube division, pays a certain percentage to the authors of the videos in which the advertisement was placed.

There are several types of advertising, so for simplicity, the terms “ Number of commercial reproductions ” have been introduced.

How many plays were accompanied by viewing advertisements. Cases where the user interrupted viewing during an advertisement at the beginning of the video are also taken into account.

And “ CPM by plays ”.

ECPM: The estimated average gross revenue per thousand impressions of an ad (regardless of which impressions were paid for by the advertiser).

Earning money from YouTube videos, that is, cost per thousand impressions, depends on three main factors:

Countries shown
Channel topics
Number of impressions

Country shown

The cost of advertising directly depends on the country in which it is shown. In countries with developed economies, there is a crisis of overproduction and manufacturers are forced to invest a lot of money in advertising in order to sell their goods.

Due to great competition, they have to set a high cost per click on ads so that YouTube shows their ads higher and more often than competitors’ ads.

For this reason, the cost per click in some niches in Germany, UK, USA, etc. can reach several tens of dollars.

In Russian-speaking countries there is no such high competition, so advertising is much cheaper. And since the percentage of the click price that video authors receive is the same, earnings on foreign-language channels are at least five times higher than on Russian-language channels.

Channel topic

There are few people willing to place advertisements on entertainment channels such as “cats, jokes”, because the audience there is predominantly non-paying and viewers react sluggishly to advertising. Therefore, the cost per click is minimal and the authors of such channels receive literally pennies.

On Hobby-themed channels, the audience is more mature and interested, so earnings can be higher.

Example of earnings for 1000 impressions on a tourism channel

But the highest earnings on YouTube are on business-related channels: cars, real estate, insurance, etc. Here you can earn hundreds of times more than in entertainment.

Number of impressions

The number of views directly depends on the number of channel subscribers and the interestingness of the video. The number of views determines the number of commercial plays, and the number of clicks on advertising depends on them.

Therefore, the larger the channel, the more subscribers and the more videos that are interesting to them, the higher the earnings on YouTube.