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估算包含哪些内容
每月本金和利息按等额本息固定利率公式计算。年度房产税和房屋保险费除以12，再加上用户输入的月度楼宇和贷款相关费用。
日本房贷规划计算器
根据您输入的房价、首付、还款期限、利率和实际月度费用，估算固定利率住房贷款。这不是贷款机构的报价或资格审批结果。
估算
预计每月总金额
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每月本金和利息 —
每月房产税 —
每月房屋保险费 —
已输入的每月担保费或贷款相关费用 —
每月物业或大楼管理费 —
所选期限内的利息总额 —
计算器不假设美国式PMI，也不判定日本的担保费、保险费或管理费用。
来源：日本住宅金融支援机构：还款方式。
每月金额明细
年度本金和利息还款计划
房贷规划指南
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还款方式说明
日本住宅金融支援机构介绍了等额本息和等额本金两种还款方式。本页面的有限模型仅计算等额本息，不推断产品资格或费用。
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规划估算范围
此估算不包括利率重设、奖金还款、提前还款、贷款机构费用、担保安排、保险资格和税收优惠。请填写您正在比较的产品所列名义利率和费用。
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.