ทำไมสินเชื่อบ้านไม่ใช่ "รายจ่ายประจำ"? เรียนรู้วิธีบันทึกการชำระเงินกู้ที่ถูกต้อง!

คำถามที่พบบ่อย

Q1. Why is mortgage not an "expense"?

The principal portion of a mortgage payment moves money from your bank account into a home asset — it does not disappear. Only the interest is a true cost paid to the bank. Recording the entire payment as expense incorrectly shows you "losing" $2,000–3,000/month when most of it is just an asset transfer.

Q2. How do I record a mortgage correctly in Mr.Splitter?

Use the "Transfer" transaction type for the principal: from your cash account into the property asset account. Record the interest portion separately as an "Expense". Your monthly net worth then reflects reality.

Q3. Does the same approach apply to car, personal, and student loans?

Same logic: principal is a "Transfer", interest is an "Expense". Differences: vehicles depreciate (adjust the asset down periodically); personal loans have no matching asset (deduct directly from the liability); student loans are typically expensed first and amortized.

Q4. How should I record an early payoff?

The principal portion is still a "Transfer" (cash to loan liability), but any prepayment penalty should be recorded as an "Expense". Mr.Splitter supports custom categories, so you can add "Loan early-payoff fee" to track these.

บทความที่เกี่ยวข้อง

• วิธีเริ่มบันทึกการเงินส่วนตัว
• วิธีตั้งงบประมาณกลุ่มไม่ให้เกิน
• วิธีคำนวณการโอนเงินขั้นต่ำ