01
估算包含哪些內容
基本貸款額為房價減去頭期款。如果您輸入需要併入貸款的房貸違約保險費，該費用只會加到本金一次。對加拿大名目年利率，模型會先將半年複利換算成等效月利率，再套用固定付款年金公式。年度房屋稅與住宅保險費除以12，再加上每月管理委員會或大樓費用。
加拿大房貸規劃計算器
根據您輸入的房價、頭期款、還款期間、利率及實際費用，估算固定利率房貸。這是規劃用估算，不是貸款機構的資格審核或保險報價。
估算
預估每月總金額
—
每月本金與利息 —
每月房屋稅 —
每月住宅保險費 —
已輸入並併入貸款的保險費 —
每月管理委員會或大樓費用 —
所選期間的利息總額 —
保險費只會加到本金一次，並透過償還本金與利息逐步還清，不會每年再次收取。
來源：CMHC房貸貸款保險費用。
每月金額明細
年度本金與利息還款表
房貸規劃指南
02
為何由使用者輸入保險費
CMHC指出，房貸貸款保險費取決於貸款價值比及適用產品。保費通常按貸款額的一定百分比收取，也可能併入房貸。本計算器不會自行套用統一的年費率2.5%。
03
規劃估算範圍
模型假設在所選還款期間內名目利率維持不變，且每月償還相同金額的本金與利息。模型不處理房貸續約、資格審核、壓力測試、提前還款、稅費變動、貸款機構費用或核准。
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.