01
估算包含哪些內容
每月本金與利息使用本息平均攤還固定利率公式計算。年度房屋稅及住宅保險費除以12，再加上使用者輸入的每月大樓管理費與貸款相關費用。
日本房貸規劃計算器
根據您輸入的房價、頭期款、還款期間、利率及實際月費用，估算固定利率住宅貸款。這不是貸款機構報價或資格審核結果。
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 —
已輸入的每月保證費或貸款相關費用 —
每月管理委員會或大樓費用 —
所選期間的利息總額 —
計算器不假設美式PMI，也不判定日本的保證費、保險費或行政費用。
來源：日本住宅金融支援機構：還款方式。
每月金額明細
年度本金與利息還款表
房貸規劃指南
02
還款方式說明
日本住宅金融支援機構說明本息平均攤還與本金平均攤還兩種方式。本頁面的有限模型僅計算本息平均攤還，不推斷產品資格或費用。
03
規劃估算範圍
此估算不包括利率重設、獎金還款、提前還款、貸款機構費用、保證安排、保險資格及稅務優惠。請輸入您正在比較的產品所列名目利率與費用。
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.