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The mortgage payment calculator is designed to simplify your decision of taking a mortgage loan, and it does that by making it easy for you to calculate the monthly installment.  In fact, it can all be done in a matter of seconds, and minutes later, who knows, you could be calling that real estate agent to ask about the property, so you can say it is a marketing tool.  All you need for the mortgage calculator to work is to put in the value of the property, your down payment, the duration of the loan and the financer’s interest rate then hit the calculate button, and there you will have it, the estimated monthly installment.  You can even go a step further and add the start date of the loan and this will generate an amortization table with all the details of the loan all the way up to the last payment, including a breakup of the installment showing the interest payment and the principal payment.