🏡 房贷月供计算器（含税费保险）Mortgage Calculator (PITI)
计算美式房贷每月总支出：本息、房产税、房屋保险、PMI 和物业费（PITI）。Monthly mortgage payment including principal, interest, property tax, insurance, PMI and HOA (PITI).
使用说明与常见问题How-to & FAQ
「房贷月供计算器（含税费保险）」是什么？What is the Mortgage Calculator (PITI)?
计算美式房贷每月总支出：本息、房产税、房屋保险、PMI 和物业费（PITI）。Monthly mortgage payment including principal, interest, property tax, insurance, PMI and HOA (PITI).
如何使用「房贷月供计算器（含税费保险）」？How do I use the Mortgage Calculator (PITI)?
在「房贷月供计算器（含税费保险）」中，填写「房价」、「首付%」、「年利率%」、「年限」、「房产税%/年」等参数，结果会随输入实时计算并显示在下方。In the Mortgage Calculator (PITI): Fill in "Home price", "Down payment %", "Interest rate %", "Term (years)", "Property tax %/yr"; results are recalculated instantly as you type.
计算结果可以作为最终依据吗？Can I rely on the result?
「房贷月供计算器（含税费保险）」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 Mortgage Calculator (PITI) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「房贷月供计算器（含税费保险）」免费吗？需要注册吗？Is the Mortgage Calculator (PITI) free? Do I need an account?
「房贷月供计算器（含税费保险）」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 Mortgage Calculator (PITI) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.