🏠 房屋净值信贷额度（HELOC）计算器HELOC Calculator
根据房屋估值、剩余房贷和银行允许的最高综合贷款价值比（CLTV），计算可获得的 HELOC 额度；并按提款金额、利率、只付息期和还款期计算两个阶段的月供。Work out how big a home equity line of credit you may qualify for from your home value, mortgage balance and the lender's maximum CLTV, then estimate monthly payments in the interest-only draw period and the repayment period.
使用说明与常见问题How-to & FAQ
「房屋净值信贷额度（HELOC）计算器」是什么？What is the HELOC Calculator tool?
根据房屋估值、剩余房贷和银行允许的最高综合贷款价值比（CLTV），计算可获得的 HELOC 额度；并按提款金额、利率、只付息期和还款期计算两个阶段的月供。Work out how big a home equity line of credit you may qualify for from your home value, mortgage balance and the lender's maximum CLTV, then estimate monthly payments in the interest-only draw period and the repayment period.
如何使用「房屋净值信贷额度（HELOC）计算器」？How do I use the HELOC Calculator tool?
在「房屋净值信贷额度（HELOC）计算器」中，填写「房屋估值」、「剩余房贷」、「最高 CLTV %」、「计划提款金额」、「年利率 %」等参数，结果会随输入实时计算并显示在下方。In the HELOC Calculator: Fill in "Home value", "Mortgage balance", "Maximum CLTV %", "Amount drawn", "Interest rate %"; results are recalculated instantly as you type.
HELOC 额度怎么算？How is the credit line calculated?
额度 = 房屋估值 × 最高 CLTV − 剩余房贷。最高 CLTV 由贷款机构决定，常见的大致在 80%–90% 一带（经验范围，各机构和各时期不同），还会看信用分和收入，请以贷款机构的条件为准。Line = home value × maximum CLTV − mortgage balance. The maximum CLTV is set by each lender; it is commonly somewhere around 80–90% (a rough range that varies by lender and over time) and also depends on credit score and income, so use your lender's terms.
为什么有两个月供？Why two payments?
HELOC 通常先有一段提款期（期限由合同约定，常见的例子是 10 年提款期加 20 年还款期，但各家不同），很多产品在提款期只需付利息；之后进入还款期（同样由合同约定），要按本息摊还，月供会明显上升。本工具按固定利率估算，实际 HELOC 多为浮动利率。A HELOC usually has a draw period set by the contract (a common example is a 10-year draw and a 20-year repayment period, but lenders differ) where many products require interest only, then a repayment period, also set by the contract, with principal and interest, so the payment jumps. This assumes a fixed rate; most real HELOCs are variable.
计算结果可以作为最终依据吗？Can I rely on the result?
「房屋净值信贷额度（HELOC）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 HELOC Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「房屋净值信贷额度（HELOC）计算器」免费吗？需要注册吗？Is the HELOC Calculator free? Do I need an account?
「房屋净值信贷额度（HELOC）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 HELOC 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.