01
估算包含哪些內容
每月本金與利息使用固定利率年金公式計算。年度房屋稅與住宅保險費除以12，再加上您輸入的每月管理費及房貸保險金額。
美國房貸規劃計算器
根據您輸入的房價、頭期款、還款期間、利率及實際每月住宅費用估算固定利率房貸。這不是Loan Estimate或貸款機構核准。
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 —
已輸入的每月房貸保險費 —
每月管理委員會或大樓費用 —
所選期間的利息總額 —
房貸保險僅依您輸入的每月金額納入；計算器不推斷資格、價格或取消條件。
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PMI
CFPB說明，頭期款低於20%的傳統貸款借款人可能必須購買私人房貸保險，月保費會列在Loan Estimate與Closing Disclosure中。實際保費依貸款而異，因此本頁不假設保費為本金的0.5%。
03
規劃估算範圍
此估算不判定貸款資格、APR、代管帳戶調整、房貸保險取消、交割費用、利率變動、再融資或稅費。請與貸款機構揭露文件比較。
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.