金融
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房贷计算器.
计算包含税费和保险的房屋贷款月供
此计算器尚未完全翻译——部分文本以英文显示。
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Important limitation: Estimates do not constitute a formal loan offer or rate lock. Actual taxes, insurance, and lender fees vary by location and credit profile.
还款计划表（本金与利息）
| 月份 | 还款 | 本金 | 利息 | 余额 |
|---|---|---|---|---|
| 1 | US$2,528.27 | US$361.61 | US$2,166.67 | US$399,638.39 |
| 2 | US$2,528.27 | US$363.56 | US$2,164.71 | US$399,274.83 |
| 3 | US$2,528.27 | US$365.53 | US$2,162.74 | US$398,909.30 |
| 4 | US$2,528.27 | US$367.51 | US$2,160.76 | US$398,541.78 |
| 5 | US$2,528.27 | US$369.50 | US$2,158.77 | US$398,172.28 |
| 6 | US$2,528.27 | US$371.51 | US$2,156.77 | US$397,800.77 |
| 7 | US$2,528.27 | US$373.52 | US$2,154.75 | US$397,427.26 |
| 8 | US$2,528.27 | US$375.54 | US$2,152.73 | US$397,051.71 |
| 9 | US$2,528.27 | US$377.58 | US$2,150.70 | US$396,674.14 |
| 10 | US$2,528.27 | US$379.62 | US$2,148.65 | US$396,294.52 |
| 11 | US$2,528.27 | US$381.68 | US$2,146.60 | US$395,912.84 |
| 12 | US$2,528.27 | US$383.74 | US$2,144.53 | US$395,529.10 |
| 13 | US$2,528.27 | US$385.82 | US$2,142.45 | US$395,143.28 |
| 14 | US$2,528.27 | US$387.91 | US$2,140.36 | US$394,755.36 |
| 15 | US$2,528.27 | US$390.01 | US$2,138.26 | US$394,365.35 |
| 16 | US$2,528.27 | US$392.13 | US$2,136.15 | US$393,973.22 |
| 17 | US$2,528.27 | US$394.25 | US$2,134.02 | US$393,578.97 |
| 18 | US$2,528.27 | US$396.39 | US$2,131.89 | US$393,182.59 |
| 19 | US$2,528.27 | US$398.53 | US$2,129.74 | US$392,784.05 |
| 20 | US$2,528.27 | US$400.69 | US$2,127.58 | US$392,383.36 |
| 21 | US$2,528.27 | US$402.86 | US$2,125.41 | US$391,980.50 |
| 22 | US$2,528.27 | US$405.04 | US$2,123.23 | US$391,575.45 |
| 23 | US$2,528.27 | US$407.24 | US$2,121.03 | US$391,168.22 |
| 24 | US$2,528.27 | US$409.44 | US$2,118.83 | US$390,758.77 |
Source: CFPB Mortgage Amortization & Truth in Lending Standards (US / International)
Reviewer: Mathify content team
Notice: Estimates do not constitute a loan offer or guarantee of interest rates, PMI, or escrow fees.
相关计算器
Cite this calculator
Canonical URL: https://mathify.one/zh/finance/mortgage
Cite as: Mathify. (2026). 房贷计算器. https://mathify.one/zh/finance/mortgage
Use Cases
Budgeting for a Home Purchase
Determine if a home fits your budget by estimating the total monthly payment, including taxes and insurance, before you make an offer.
Example: Input a $300,000 loan at 6% for 30 years with $3,600 annual taxes and $1,200 insurance to see your monthly payment.
Comparing Loan Scenarios
Adjust loan amount, interest rate, or term to compare different mortgage options and see how they affect your monthly payment.
Example: Compare a 15-year vs. 30-year term to see the trade-off between lower monthly payments and total interest paid.
Frequently Asked Questions
- What does this mortgage calculator do?
- This calculator estimates your monthly home loan payment by factoring in the loan amount, interest rate, loan term, property taxes, and homeowners insurance. It provides a comprehensive view of your potential monthly housing costs.
- How are taxes and insurance included in the calculation?
- The calculator adds your annual property taxes and homeowners insurance premiums to your monthly payment. These amounts are typically escrowed by your lender and paid on your behalf, so including them gives a more accurate total monthly cost.
- Is this calculator a substitute for professional financial advice?
- No, this tool is for estimation purposes only. It can include HOA fees and PMI, but may not account for every factor, such as variable interest rates. Consult a mortgage professional for personalized advice.
Tips & Common Mistakes
Tips
- Enter your best estimate for property taxes and insurance to get a more accurate monthly payment.
- Remember that your monthly payment may also include PMI if your down payment is less than 20%.
- Use this calculator to see how a higher down payment reduces your monthly payment and total interest.
- Check current interest rates to input a realistic rate for your area.
Common Mistakes to Avoid
- Forgetting to include property taxes and insurance, which can significantly increase your monthly payment.
- Using an interest rate that is too low or too high, leading to an inaccurate estimate.
- Not considering that taxes and insurance can change over time, affecting your future payments.
Last updated: August 13, 2026