Mortgage Calculator｜房贷月供计算器

房贷月供计算器 | Mortgage Calculator

房贷月供计算器 Mortgage Calculator

根据房屋总价、首付比例、年利率与贷款期限，计算房贷本金、每月月供、总利息与本息合计。
Enter home price, down payment, interest rate and term to estimate mortgage principal, monthly payment, total interest and total cost.

1. 输入参数 · Mortgage Parameters
购房合同价或计划购买的房屋总价（不含税费、装修等其他成本）。
Contract price or planned purchase price of the property.
贷款本金 = 房屋总价 × (1 − 首付比例)。例如总价 100 万、首付 30%，贷款本金约 70 万。
Loan principal = home price × (1 − down payment %).
房贷执行年利率，可参考 LPR + 加点后的实际利率。
Effective annual mortgage rate (e.g. LPR plus spread).
若选择“年”，工具会自动 ×12 转换为期数；若选择“月”，则直接视为总期数。
If you choose “Years”, the tool multiplies by 12 to get total periods; “Months” means total periods directly.
等额本息：每月月供固定，前期利息占比较高，是最常见房贷方式。
Equal principal & interest: fixed monthly payment, higher interest portion at the beginning, most common pattern.
等额本金：本金按月固定归还，利息随余额下降，总利息通常较少，但前期月供较高。
Equal principal: principal is repaid equally every month; interest decreases as balance falls, total interest is usually lower, but early payments are higher.
3. 房贷方式说明 · Mortgage Repayment Overview
  • 等额本息（最常见房贷方式） · Equal Principal & Interest (most common):
    每月月供金额相同，便于长期预算与现金流管理，是多数按揭房贷默认方式。
    Fixed monthly instalment throughout the term. Easier for budgeting and cash flow planning, widely used in residential mortgages.
    优点 · Pros： 月供稳定、心理压力较小、适合工薪族。Stable payment, lower psychological pressure, suitable for salaried borrowers.
    缺点 · Cons： 前期利息占比较高，总利息通常高于等额本金。Higher proportion of interest in early years, total interest often higher than equal principal.
  • 等额本金（希望降低总利息时可考虑） · Equal Principal (for lower total interest):
    每月归还相同本金，利息随剩余本金下降，月供逐月递减。总利息通常低于等额本息。
    Principal is repaid in equal parts; as outstanding balance falls, interest decreases and monthly payment declines over time.
    优点 · Pros： 总体利息支出更少、债务负担逐年减轻。Lower total interest and gradually reduced payment burden.
    缺点 · Cons： 前几年月供最高，对早期现金流要求较高。Higher instalments at the beginning, requiring stronger cash flow in early years.

说明：本房贷计算工具基于固定利率、按月计息的理论公式，未考虑利率浮动、上浮或下调、
提前还款手续费、违约金、税费、公摊面积、保险费用等复杂因素。结果仅供学习与预算参考，
不构成任何按揭建议或金融建议。实际还款计划与金额请以银行或贷款机构出具的还款计划表为准。
Note: This calculator assumes fixed-rate, monthly compounding and ignores rate changes, fees, penalties, taxes or insurance. The results are for educational and budgeting purposes only and do not constitute mortgage or financial advice. Always refer to your lender’s official repayment schedule for binding terms.