🏘️ 出租房投资回报计算器Rental Property Calculator
输入房价、首付、贷款利率、租金、空置率和各项支出，计算净营业收入（NOI）、资本化率（Cap Rate）、每月现金流、现金回报率（Cash-on-Cash）、毛租金乘数和偿债覆盖率（DSCR）。Analyse a rental: from price, down payment, loan rate, rent, vacancy and expenses, get NOI, cap rate, monthly cash flow, cash-on-cash return, gross rent multiplier and DSCR.
使用说明与常见问题How-to & FAQ
「出租房投资回报计算器」是什么？What is the Rental Property Calculator tool?
输入房价、首付、贷款利率、租金、空置率和各项支出，计算净营业收入（NOI）、资本化率（Cap Rate）、每月现金流、现金回报率（Cash-on-Cash）、毛租金乘数和偿债覆盖率（DSCR）。Analyse a rental: from price, down payment, loan rate, rent, vacancy and expenses, get NOI, cap rate, monthly cash flow, cash-on-cash return, gross rent multiplier and DSCR.
如何使用「出租房投资回报计算器」？How do I use the Rental Property Calculator tool?
在「出租房投资回报计算器」中，填写「房价」、「首付 %」、「购房杂费与装修」、「贷款年利率 %」、「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 Rental Property Calculator: Fill in "Purchase price", "Down payment %", "Closing + repair costs", "Loan rate %", "Loan term (years)"; results are recalculated instantly as you type.
这些指标怎么理解？What do these metrics mean?
NOI = 有效租金收入（扣空置）− 运营支出（不含贷款）；资本化率 = NOI ÷ 房价，用于横向比较房产本身的收益；现金回报率 = 年现金流（扣贷款后）÷ 实际投入现金，反映杠杆后的回报；DSCR = NOI ÷ 年还款额，大于 1 表示租金收入足以覆盖贷款；不少贷款机构会要求更高的缓冲（常见经验值约 1.2–1.25），具体以贷款机构的要求为准。维修费和管理费按实收租金（扣除空置后）计算。NOI = effective rent (after vacancy) − operating expenses (excluding the loan). Cap rate = NOI ÷ price, for comparing properties regardless of financing. Cash-on-cash = annual cash flow after debt service ÷ cash invested, the leveraged return. DSCR = NOI ÷ annual debt service; above 1 means the rent covers the loan. Many lenders want a bigger cushion (a common rule of thumb is about 1.2–1.25), but the requirement is set by each lender. Maintenance and management are charged on collected rent (after vacancy).
没有考虑哪些因素？What is not included?
房价升值、本金偿还带来的权益增加、折旧抵税、所得税、资本性大修和出售成本都没有计入，结果是第一年的现金收益视角。Appreciation, equity from principal paydown, depreciation tax benefits, income tax, major capital expenditures and selling costs are not included; it is a first-year cash view.
计算结果可以作为最终依据吗？Can I rely on the result?
「出租房投资回报计算器」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 Rental Property Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「出租房投资回报计算器」免费吗？需要注册吗？Is the Rental Property Calculator free? Do I need an account?
「出租房投资回报计算器」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 Rental Property 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.