🔁 房贷再融资（转贷）计算器Refinance Calculator
比较当前房贷与再融资后的新贷款：月供变化、每月节省、收回过户成本所需的“回本月数”，以及剩余期限内的总利息差，帮你判断转贷是否划算。Compare your current mortgage with a refinance: new payment, monthly savings, break-even month for closing costs and the total interest difference over the remaining life, to judge whether refinancing pays off.
使用说明与常见问题How-to & FAQ
「房贷再融资（转贷）计算器」是什么？What is the Refinance Calculator tool?
比较当前房贷与再融资后的新贷款：月供变化、每月节省、收回过户成本所需的“回本月数”，以及剩余期限内的总利息差，帮你判断转贷是否划算。Compare your current mortgage with a refinance: new payment, monthly savings, break-even month for closing costs and the total interest difference over the remaining life, to judge whether refinancing pays off.
如何使用「房贷再融资（转贷）计算器」？How do I use the Refinance Calculator tool?
在「房贷再融资（转贷）计算器」中，填写「当前剩余本金」、「当前年利率 %」、「剩余年限」、「新年利率 %」、「新贷款年限」等参数，结果会随输入实时计算并显示在下方。In the Refinance Calculator: Fill in "Current balance", "Current rate %", "Remaining years", "New rate %", "New term (years)"; results are recalculated instantly as you type.
回本月数怎么算？How is break-even calculated?
回本月数 = 预付的再融资成本 ÷ 每月节省的月供，向上取整。如果你打算在回本之前卖房或再次转贷，转贷通常不划算。成本计入新贷款时没有预付成本，但新本金变大。Break-even = upfront closing costs ÷ monthly savings, rounded up. If you expect to sell or refinance again before then, refinancing usually does not pay. Rolling costs into the loan removes the upfront cost but raises the new principal.
只看月供下降就够了吗？Is a lower payment enough?
不够。把剩余 27 年的贷款重新拉长到 30 年，月供会降低，但多付 3 年利息。请同时看“总支出差”：为正表示整个期限内转贷更省钱。No. Stretching 27 remaining years back to 30 lowers the payment but adds three years of interest. Check the lifetime cost difference too — positive means the refinance saves money overall.
结果包含哪些费用？Which costs are included?
只包含你输入的过户成本，以及本金和利息；不含房产税、保险、PMI 变化，也不考虑提前还款罚金或税务影响。Only the closing costs you enter plus principal and interest; property tax, insurance, PMI changes, prepayment penalties and tax effects are not included.
计算结果可以作为最终依据吗？Can I rely on the result?
「房贷再融资（转贷）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 Refinance Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「房贷再融资（转贷）计算器」免费吗？需要注册吗？Is the Refinance Calculator free? Do I need an account?
「房贷再融资（转贷）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 Refinance 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.