房贷计算器

计算还本付息或只还利息贷款的每月房贷还款额。

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使用方法

  1. 1
    选择设置

    填写信息或选择您需要的选项。

  2. 2
    查看结果

    更改任何内容时,预览会立即更新。

  3. 3
    下载或保存

    将结果保存到您的设备。不会向服务器发送或保存任何内容。

About this tool

See what a mortgage costs each month. Enter the property price, your deposit, the interest rate and the number of years. Choose a repayment mortgage (you pay off the loan) or interest-only. You get the monthly payment, the loan to value, the total interest and the total repaid. It works in pounds, dollars, euros or taka. This is an estimate for a fixed rate; fees and rate changes are not included.

When to use it

Calculate a monthly mortgage payment from the loan, rate and term and see total interest.

Tips

Test a higher rate to see how you would cope. Add taxes, insurance and fees to the monthly budget. Shorter terms cost less interest overall.

Privacy

Everything runs in your browser, so your data is not uploaded or stored.

获得最佳结果的提示

开始之前请花一点时间阅读选项,并先用一个小例子试用工具。一切都在您设备的浏览器中运行;您输入或添加的任何内容都不会被上传,关闭标签页会清除所有内容。如果看起来不对,请刷新页面重试,或使用本页的报告链接告诉我们出了什么问题。如果结果仍然看起来不对,请每次只更改一个值,看看哪个输入影响最大。如果您还会再用,请收藏此页。

要点

常见问题

What is loan to value (LTV)?

It is the loan divided by the property price. A bigger deposit means a lower LTV and often a better rate.

Is this my exact payment?

No. Your lender’s offer decides the real figure.

Is it for fixed or variable rates?

It assumes a fixed rate for the term.

Does it include fees?

No. Add fees and insurance separately.

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