💰 金融

🏠 房贷计算器

计算您的每月房贷还款额和总利息支出

贷款总额（万元）

年利率（%）

贷款年限（年）

还款方式

每月还款额 -

还款总额 -

支付利息 -

贷款总额 -

房贷计算器使用指南

房贷计算器是购房者的必备工具，帮助您快速了解每月还款额度和总利息支出。无论您是首次购房还是 refinancing，本计算器都能为您提供准确的参考。

如何计算房贷月供？

使用本计算器非常简单：输入贷款总额、年利率和贷款年限，选择还款方式，点击"开始计算"即可得到结果。

计算公式

等额本息（固定月供）：

月供 = 贷款本金 × 月利率 × (1+月利率)^还款月数 ÷ [(1+月利率)^还款月数 - 1]

等额本金（递减月供）：

每月本金 = 贷款本金 ÷ 还款月数

每月利息 = 剩余本金 × 月利率

首月月供 = 每月本金 + 首月利息

计算示例

场景：贷款 100 万元，年利率 4.2%，贷款 30 年，等额本息还款

计算结果：

• 每月还款：¥4,889.62

• 还款总额：¥1,760,263.19

• 支付利息：¥760,263.19

常见问题

等额本息和等额本金哪个更划算？

等额本金总利息更少，但前期还款压力大。等额本息每月还款固定，便于财务规划。收入稳定选等额本息，收入预期增长选等额本金。

房贷利率是固定的吗？

不一定。固定利率贷款在整个贷款期内利率不变；浮动利率贷款会随市场利率调整。选择哪种取决于您对利率走势的判断和风险承受能力。

提前还款划算吗？

如果在还款前期（前1/3期限），提前还款可以节省较多利息。如果已经还了大半，剩余利息不多，提前还款意义不大。具体要看您的贷款合同条款。

首付比例多少合适？

首套房通常最低 20%-30%。首付越多，贷款越少，利息越少。但也要考虑资金的机会成本——如果投资收益高于房贷利率，适当降低首付可能更划算。

Mortgage Calculator Guide

A mortgage calculator is an essential tool for homebuyers, helping you quickly understand your monthly payment and total interest costs. Whether you're a first-time buyer or refinancing, this calculator provides accurate estimates.

How to Calculate Mortgage Payments

Using this calculator is simple: enter your loan amount, annual interest rate, and loan term, select your repayment method, and click "Calculate" to get your results.

Formula

Fixed Rate (Equal Payment):

M = P × r × (1+r)^n ÷ [(1+r)^n - 1]

Where: M = Monthly payment, P = Principal, r = Monthly rate, n = Number of months

Adjustable Rate (Decreasing Payment):

Monthly Principal = Loan Amount ÷ Number of Months

Monthly Interest = Remaining Balance × Monthly Rate

Example

Scenario: $300,000 loan at 6.5% annual interest for 30 years, fixed rate

Results:

• Monthly Payment: $1,896.20

• Total Payment: $682,633.47

• Total Interest: $382,633.47

Frequently Asked Questions

What's the difference between fixed-rate and adjustable-rate mortgages?

Fixed-rate mortgages have the same interest rate and monthly payment throughout the loan term. Adjustable-rate mortgages (ARMs) have rates that can change periodically, usually resulting in lower initial payments but with uncertainty about future payments.

How much should I put down as a down payment?

Conventionally, 20% is recommended to avoid PMI (Private Mortgage Insurance). However, many loans allow 3-5% down. The right amount depends on your financial situation, cash reserves, and investment opportunities.

Should I make extra payments on my mortgage?

Extra payments can save significant interest over time, especially in the early years of your loan. Consider whether you could earn a higher return by investing the money elsewhere. Also check if your loan has prepayment penalties.

What is PMI and how can I avoid it?

PMI (Private Mortgage Insurance) protects the lender if you default. It's typically required when you put down less than 20%. You can avoid it by making a 20% down payment or by refinancing once you reach 20% equity.