Mortgage Math Q - Given fixed principal pmt, what is equivalent schedule?

I'm having a brain fart.

  • $30,000,000 loan
  • 6% interest rate
  • $60,000 monthly principal payments, fixed amount

I'm trying to answer the question "what is the equivalent amortization schedule of this?" Aka, 20 years, 25 years, 30 years? i guess it changes over time as the loan balance decreases, but what would it be out the gates at Y0?

I know that the mortgage constant = 8.40%, but am stuck.

  • Annual Interest = 6%*$30M = $1.8M
  • Annual Principal = $720,000
  • Annual Debt Service = $2,520,000
  • Debt Constant = $2.52 / $30M = 8.4%
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