📈 浮动利率房贷（ARM）计算器ARM Mortgage Calculator
估算 5/1、7/1、10/1 等可调利率房贷（ARM）的初始月供、首次调整后的月供和利率上限下的最高月供：输入初始利率、固定期、调整周期、调整后假设的完全指数化利率和三个利率上限（首次/每次/终身）。Estimate an adjustable-rate mortgage (5/1, 7/1, 10/1, …): the initial payment, the payment after the first reset and the worst case under the caps. Enter the start rate, fixed period, adjustment interval, an assumed fully indexed rate and the initial, periodic and lifetime caps.
使用说明与常见问题How-to & FAQ
「浮动利率房贷（ARM）计算器」是什么？What is the ARM Mortgage Calculator tool?
估算 5/1、7/1、10/1 等可调利率房贷（ARM）的初始月供、首次调整后的月供和利率上限下的最高月供：输入初始利率、固定期、调整周期、调整后假设的完全指数化利率和三个利率上限（首次/每次/终身）。Estimate an adjustable-rate mortgage (5/1, 7/1, 10/1, …): the initial payment, the payment after the first reset and the worst case under the caps. Enter the start rate, fixed period, adjustment interval, an assumed fully indexed rate and the initial, periodic and lifetime caps.
如何使用「浮动利率房贷（ARM）计算器」？How do I use the ARM Mortgage Calculator tool?
在「浮动利率房贷（ARM）计算器」中，填写「贷款金额 $」、「期限（年）」、「初始利率 %」、「固定期（年）」、「调整周期」等参数，结果会随输入实时计算并显示在下方。In the ARM Mortgage Calculator: Fill in "Loan amount $", "Term (years)", "Initial rate %", "Fixed period (years)", "Adjustment interval"; results are recalculated instantly as you type.
5/1 ARM 是什么意思？What does 5/1 ARM mean?
前 5 年利率固定，之后每 1 年按「指数 + 利差」调整一次。LIBOR 停用后，房利美（Fannie Mae）和房地美（Freddie Mac）收购的 SOFR 指数 ARM 改为每 6 个月调整一次（如 5/6 ARM，见两家机构的卖方指南），所以 6 个月调整的产品现在很常见，工具中可以选择。The rate is fixed for 5 years, then resets every year to index + margin. Since LIBOR ended, the SOFR-indexed ARMs that Fannie Mae and Freddie Mac buy reset every 6 months (such as the 5/6 ARM, per their seller guides), so 6-month resets are now common; you can choose them here.
2/1/5 上限是什么？What are 2/1/5 caps?
首次调整最多变动 2 个百分点，之后每次最多 1 个百分点，终身最多比初始利率高 5 个百分点。这是常见的组合之一，不同产品不同，请以贷款文件为准。The first reset can move at most 2 points, later resets at most 1 point, and the rate can never be more than 5 points above the start. It is one common structure; products differ, so check your loan documents.
为什么给出两种情况？Why two scenarios?
未来利率无法预知。「假设利率」情景让你看到利率回到某一水平时的月供；「最坏情况」显示每次都按上限上调时可能达到的最高月供，用来评估风险。Future rates are unknown. The assumed-rate scenario shows the payment if rates settle at a level you choose; the worst case shows the highest payment if every reset hits its cap, to gauge the risk.
计算结果可以作为最终依据吗？Can I rely on the result?
「浮动利率房贷（ARM）计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The ARM Mortgage Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「浮动利率房贷（ARM）计算器」免费吗？需要注册吗？Is the ARM Mortgage Calculator free? Do I need an account?
「浮动利率房贷（ARM）计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The ARM Mortgage Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.