01
估算包含哪些内容
基础贷款额为房价减去首付。如果您输入需要计入贷款的房贷违约保险费，该费用只会加到本金中一次。对于加拿大名义年利率，模型会先将半年复利换算为等效月利率，再应用固定还款年金公式。年度房产税和房屋保险费除以12，再加上每月物业或业主协会费用。
加拿大房贷规划计算器
根据您输入的房价、首付、还款期限、利率和实际费用，估算固定利率房贷。这是规划估算，不是贷款机构的资格审核或保险报价。
估算
预计每月总金额
—
每月本金和利息 —
每月房产税 —
每月房屋保险费 —
已输入并计入贷款的保险费 —
每月物业或大楼管理费 —
所选期限内的利息总额 —
保险费只加到本金一次，并通过偿还本金和利息逐步还清。不会每年重复收取。
来源：CMHC房贷贷款保险费用。
每月金额明细
年度本金和利息还款计划
房贷规划指南
02
为何由用户输入保险费
CMHC表示，房贷贷款保险费取决于贷款价值比和适用产品。保险费通常按贷款额的一定比例收取，也可能计入房贷。本计算器不会编造统一的年费率2.5%。
03
规划估算范围
模型假设在所选还款期限内名义利率保持不变，并且每月偿还相同金额的本金和利息。模型不模拟房贷续约、贷款资格审核、压力测试、提前还款、税费变化、贷款机构费用或审批。
Extra payment and refinance comparison
Compare a remaining loan, recurring extra payments, and a hypothetical refinance using rates and costs you enter.
Scenario comparison
| Scenario | Scheduled monthly payment | Payoff | Total interest | Upfront cost/cash | Difference vs baseline interest |
|---|
Refinance cash-flow break-even—
Cash-flow change during planned hold—
Extra-payment time saved—
Monthly schedule
The on-screen table shows the first 24 months and final month. CSV export includes every simulated month.
| Month | Payment | Principal | Interest | Balance |
|---|
Assumptions, worked example, and source
- Rates are user-entered; no current lender rate or product recommendation is supplied. Most countries use annual rate ÷ 12. Canada uses nominal semi-annual compounding converted to a monthly rate.
- Extra payment is applied after scheduled interest with no prepayment charge. Enter any early-repayment charge in refinance costs and confirm overpayment limits with the lender.
- Refinance break-even accumulates monthly payment differences until they recover upfront costs. It is a cash-flow measure, not an equity, tax, opportunity-cost, or approval analysis.
- The default worked example compares one remaining balance over its remaining term. Replace every assumption with the current statement and a formal refinance quote.
Consumer authority mortgage reference for this country · Method reviewed 2026-07-30.