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Loan amount: The original loan price before applying interest. · Loan term in months or years: Your loan will have a certain duration of time. · Interest rate . Your monthly mortgage payment depends on a number of factors, like purchase price, down payment, interest rate, loan term, property taxes and insurance. The length of time you take to repay the loan can impact your interest rate, as well as how much you pay each month and in total over the life of the loan. To.