🏡 房贷方案对比计算器Mortgage Comparison Calculator
比较同一套房子的两个房贷方案（首付比例、利率、期限、交易费用和 PMI），按你打算持有的年数算出期间已付利息、PMI、费用合计和剩余本金，看哪个方案在持有期内更省钱。Compare two mortgage options on the same home — down payment, rate, term, closing costs and PMI — over the years you expect to keep it: interest, PMI and fees paid, and the balance left, to see which costs less while you own it.
使用说明与常见问题How-to & FAQ
「房贷方案对比计算器」是什么？What is the Mortgage Comparison Calculator tool?
比较同一套房子的两个房贷方案（首付比例、利率、期限、交易费用和 PMI），按你打算持有的年数算出期间已付利息、PMI、费用合计和剩余本金，看哪个方案在持有期内更省钱。Compare two mortgage options on the same home — down payment, rate, term, closing costs and PMI — over the years you expect to keep it: interest, PMI and fees paid, and the balance left, to see which costs less while you own it.
如何使用「房贷方案对比计算器」？How do I use the Mortgage Comparison Calculator tool?
在「房贷方案对比计算器」中，填写「房价」、「PMI 年费率 %（首付低于 20% 时，示例 0.5）」、「打算持有年数」、「方案 A：首付 %」、「方案 A：年利率 %」等参数，结果会随输入实时计算并显示在下方。In the Mortgage Comparison Calculator: Fill in "Home price", "PMI rate % a year (down payment under 20%, example 0.5)", "Years you expect to keep the loan", "Option A: down payment %", "Option A: rate %"; results are recalculated instantly as you type.
这个和贷款方案对比计算器有什么不同？How is this different from the loan comparison calculator?
这里专门针对买房：两个方案共用同一个房价，按首付比例算贷款额，计入 PMI，并且只看你打算持有的年数——大多数人会在贷款到期前卖房或再融资，所以持有期内的成本比全期总利息更有参考价值。It is built for home buying: both options share one price, the loan comes from the down payment %, PMI is included, and costs are counted only for the years you plan to keep the loan — most people sell or refinance before the term ends, so that cost is more useful than lifetime interest.
PMI 是怎么算的？How is PMI handled?
首付低于 20%（贷款额超过房价 80%）时按「贷款额 × PMI 年费率 ÷ 12」每月收取，直到按计划还款使余额降到房价的 78%（美国《房主保护法》规定的自动取消点）。PMI 费率因信用分和首付而异，0.5% 只是示例。When the down payment is under 20% (loan above 80% of the price), PMI is charged monthly at loan × rate ÷ 12 until scheduled payments bring the balance to 78% of the price, the automatic cancellation point under the US Homeowners Protection Act. Rates depend on credit and down payment; 0.5% is only an example.
为什么不把本金算作成本？Why is principal not counted as a cost?
还本金是在把借来的钱还掉、增加你在房子里的权益，不是花掉的钱。剩余本金一行显示持有期结束时各方案还欠多少。Principal repays what you borrowed and builds equity; it is not money spent. The balance row shows how much each option still owes at the end.
计算结果可以作为最终依据吗？Can I rely on the result?
「房贷方案对比计算器」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 Mortgage Comparison Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「房贷方案对比计算器」免费吗？需要注册吗？Is the Mortgage Comparison Calculator free? Do I need an account?
「房贷方案对比计算器」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 Mortgage Comparison 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.