The interest rate your lender gives you isn't the true cost of your mortgage. Learn how to calculate your effective interest rate, including any discount points.

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r = Discount rate. Step 4: Calculate Terminal Value. After the projected period, estimate the terminal value, representing the value of the investment beyond the projection period.

While the dividend discount model is often cited, I noticed there aren only a few examples on the web about how the formula is used, and most of them over... Skip to content.

Open a mortgage calculator like this one from Bankrate. Add up your discount points, origination fees, and other up-front costs like mortgage insurance premiums (Note: closing costs are not included).