房贷计算器
计算每月房贷还款额和还款计划。
输入
月还款总额
还款明细
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Understanding Your Monthly Mortgage Payment
概述
A mortgage payment calculator estimates the monthly cost of a home loan from the loan amount, interest rate, and term. Seeing the payment and the total interest over 15, 20, or 30 years helps you judge how much house you can afford and how term length changes the lifetime cost. The calculation happens locally in your browser.
使用步骤
- 1
Enter the loan amount
Home price minus your down payment.
- 2
Add the rate and term
Use the annual rate and the term in years (the tool converts to months).
- 3
Check principal vs interest
Note how much of the total you pay is interest, especially on longer terms.
工作原理
The core principal-and-interest payment uses the amortization formula payment = P · r · (1+r)^n / ((1+r)^n − 1), where P is the loan amount, r is the monthly interest rate, and n is the number of monthly payments. Early in the loan most of each payment is interest; over time the balance falls and more goes to principal. Property tax, insurance, and HOA dues are separate and add to the true monthly housing cost.
什么时候用
Comparing a 15-year and a 30-year mortgage to weigh lower total interest against a higher monthly payment. Estimating how a rate change affects affordability. Setting a price range before house-hunting.
常见问题
This estimates principal and interest. Add property tax, homeowners insurance, and any HOA or PMI separately to get your full monthly housing cost.
注意事项
This calculator provides estimates for informational purposes only and is not financial advice. Real mortgage costs include taxes, insurance, and PMI that vary by property and lender — consult a qualified mortgage professional before making a decision.