🎯 房贷折扣点数计算器Mortgage Points Calculator
买折扣点（discount points）值不值？输入贷款额、原利率、点数、每点降低的利率和打算持有的年数，算出月供节省、回本月数，以及持有期内扣除买点费用后的净节省（含余额减少）。Are discount points worth it? Enter the loan, the rate without points, the number of points, the rate cut per point and how long you expect to keep the loan to see the monthly saving, break-even month and the net saving over that time after the cost of the points (including the lower balance).
使用说明与常见问题How-to & FAQ
「房贷折扣点数计算器」是什么？What is the Mortgage Points Calculator tool?
买折扣点（discount points）值不值？输入贷款额、原利率、点数、每点降低的利率和打算持有的年数，算出月供节省、回本月数，以及持有期内扣除买点费用后的净节省（含余额减少）。Are discount points worth it? Enter the loan, the rate without points, the number of points, the rate cut per point and how long you expect to keep the loan to see the monthly saving, break-even month and the net saving over that time after the cost of the points (including the lower balance).
如何使用「房贷折扣点数计算器」？How do I use the Mortgage Points Calculator tool?
在「房贷折扣点数计算器」中，填写「贷款金额」、「不买点时的年利率 %」、「购买点数」、「每点降低利率（百分点，示例 0.25）」、「贷款期限（年）」等参数，结果会随输入实时计算并显示在下方。In the Mortgage Points Calculator: Fill in "Loan amount", "Rate without points %", "Points bought", "Rate cut per point (percentage points, example 0.25)", "Loan term (years)"; results are recalculated instantly as you type.
什么是房贷折扣点？What are mortgage discount points?
折扣点是放款时预付给贷款机构的利息，1 点 = 贷款额的 1%，换取更低的利率。每点能降多少利率由贷款机构报价决定，0.25 个百分点只是常见示例，请以实际报价为准。Discount points are prepaid interest paid at closing: 1 point = 1% of the loan, in exchange for a lower rate. How much each point cuts the rate depends on the lender's quote; 0.25 percentage points is only a common example, so use your actual quote.
净节省怎么算？How is the net saving calculated?
净节省 = 持有期内每月节省的月供之和 + 持有期末两种贷款剩余本金的差额 − 买点费用。利率更低时本金还得更快，所以期末余额也更少。未考虑资金的时间价值和税务影响。Net saving = the monthly savings over the holding period + the difference in remaining balance at the end − the cost of the points. A lower rate also pays down principal faster, so the balance is lower. The time value of money and taxes are not included.
回本时间是什么意思？What does break-even mean?
回本时间 = 买点费用 ÷ 每月节省，只看月供。如果你可能在那之前卖房或再融资，买点通常不划算。Break-even = cost of the points ÷ monthly saving, based on payments alone. If you might sell or refinance before then, points usually do not pay off.
计算结果可以作为最终依据吗？Can I rely on the result?
「房贷折扣点数计算器」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 Points Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「房贷折扣点数计算器」免费吗？需要注册吗？Is the Mortgage Points Calculator free? Do I need an account?
「房贷折扣点数计算器」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 Points 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.