01
估算包含哪些内容
每月本金和利息按固定利率年金公式计算。年度Council Tax和房屋保险费除以12。您输入的预付购房税费单独显示，并仅计入名义总额一次。
英国房贷规划计算器
在您输入的固定利率等额还款房贷基础上，加入实际年度Council Tax、房屋保险费和预付购房税费进行估算。这不是还款能力评估或税务认定。
估算
预计每月总金额
—
每月本金和利息 —
每月Council Tax —
每月房屋保险费 —
输入的预付购房税费 —
所选期限内的利息总额 —
所选期限内的名义总额 —
每月金额明细
年度本金和利息还款计划
余额变化
名义总额假设当前输入的Council Tax和保险费在整个期限内保持不变，不考虑通胀。
房贷规划指南
02
为何由用户输入购房税费
英格兰和北爱尔兰适用SDLT，苏格兰和威尔士则使用不同的交易税。买家身份、额外房产规则、居住地、减免政策及交易结构都会影响金额。请使用相关官方计算器并输入其结果。
03
规划估算范围
计算器不评估还款能力、资格、产品费用、利率重设、提前还款费用或未来Council Tax和保险费的变化。名义总额不是贷款机构披露金额。
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.