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。年度房产税和房屋保险费除以12，再加上您输入的月度物业管理费和房贷保险金额。
美国房贷规划计算器
根据您输入的房价、首付、还款期限、利率及实际月度住房费用估算固定利率房贷。这不是Loan Estimate或贷款机构审批。
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 —
已输入的每月房贷保险费 —
每月物业或大楼管理费 —
所选期限内的利息总额 —
房贷保险仅按您输入的月金额计入；计算器不推断资格、价格或取消条件。
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PMI
CFPB说明，首付低于20%的常规贷款借款人可能需要购买私人房贷保险，月保费会列在Loan Estimate和Closing Disclosure中。实际保费因贷款而异，因此本页面不会假设保费为本金的0.5%。
03
规划估算范围
此估算不判断贷款资格、APR、托管账户调整、房贷保险取消、交割费用、利率变化、再融资或税费。请与贷款机构披露文件对照。
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.