🏘️ 租房还是买房计算器Rent vs Buy Calculator
比较在一定年限内租房与买房的净成本（含房价涨幅、机会成本、维护费）。Compare the net cost of renting vs buying over a time horizon, including appreciation and opportunity cost.
使用说明与常见问题How-to & FAQ
「租房还是买房计算器」是什么？What is the Rent vs Buy Calculator?
比较在一定年限内租房与买房的净成本（含房价涨幅、机会成本、维护费）。Compare the net cost of renting vs buying over a time horizon, including appreciation and opportunity cost.
如何使用「租房还是买房计算器」？How do I use the Rent vs Buy Calculator?
在「租房还是买房计算器」中，填写「房价」、「首付%」、「房贷利率%」、「贷款年限」、「持有成本%/年」等参数，结果会随输入实时计算并显示在下方。In the Rent vs Buy Calculator: Fill in "Home price", "Down %", "Mortgage rate %", "Loan years", "Owning costs %/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?
「租房还是买房计算器」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 Rent vs Buy Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「租房还是买房计算器」免费吗？需要注册吗？Is the Rent vs Buy Calculator free? Do I need an account?
「租房还是买房计算器」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 Rent vs Buy 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.