加拿大房貸計算器

使用方法

1. 1
   填寫各項

   輸入數字或選擇所需選項。

2. 2
   檢視結果

   更改任何值時，答案會立即更新。

3. 3
   使用結果

   複製結果或記下來。不會向任何地方傳送任何內容。

About this tool

Enter the home price, down payment percent, rate, amortization and payment frequency. Canadian fixed-rate mortgages compound semi-annually, which the tool applies, so the payment matches what Canadian lenders quote.

Semi-annual compounding

By law, Canadian fixed-rate mortgage rates are compounded twice a year, which gives a slightly lower effective rate than monthly compounding at the same quoted rate. The tool converts the quoted rate to the rate for each payment period.

Example

A $520,000 loan at 4.8 percent over 25 years costs about $2,970 a month and around $371,000 of interest.

Notes

A down payment under 20 percent needs mortgage default insurance. The minimum is 5 percent on the first $500,000. Accelerated bi-weekly payments equal half a monthly payment every two weeks and shorten the loan.

計算示例

With the boxes at their starting values (Home price (CAD): 650000; Down payment (%): 20; Quoted interest rate (%): 4.8; Amortization (years): 25; Payment frequency: Monthly), the tool shows: Mortgage amount (CAD): 520,000; Total interest (CAD): 369,625; Total paid (CAD): 889,625; Payment (CAD): 2,965.42. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

獲得最佳結果的提示

在相信結果之前先檢查每一個輸入項，因為一個錯誤的數字就會改變整個答案。請使用工資單、賬單、證書或合同上的準確數字，並記下計算日期。稅率、門檻和規則會不時變化，因此對於稅費和法律事務，請將結果視為估算，並與本頁註明的官方來源核對。您可以嘗試任意多個方案；不會儲存或傳送任何內容，重新整理頁面會清空輸入。