房贷计算器
计算月供、LTV 比率和完整还款计划。
抵押贷款计算器帮助您估算住房贷款的每月还款额、总费用和利息明细。它使用标准摊销公式，根据本金（房价减去首付）、年利率和贷款期限（年）计算您的固定每月还款额。
输入房价、首付、年利率和贷款期限，工具立即显示您的估计每月还款额、贷款期间支付的总金额以及其中有多少是利息。摊销表逐月显示每笔还款中有多少减少本金以及有多少用于支付利息。
此计算器对于比较贷款方案、了解更大首付如何降低总成本，或评估选择 15 年与 30 年抵押贷款的财务影响非常有用。
常见问题
代码实现
def calculate_mortgage(home_price, down_payment, annual_rate, years,
property_tax_rate=1.2, insurance_annual=1200,
pmi_rate=0.5):
loan = home_price - down_payment
monthly_rate = annual_rate / 100 / 12
n = years * 12
if monthly_rate == 0:
pi = loan / n
else:
pi = loan * (monthly_rate * (1 + monthly_rate) ** n) / ((1 + monthly_rate) ** n - 1)
tax = home_price * property_tax_rate / 100 / 12
insurance = insurance_annual / 12
ltv = loan / home_price * 100
pmi = (loan * pmi_rate / 100 / 12) if ltv > 80 else 0
total = pi + tax + insurance + pmi
print(f"P&I: ${pi:.2f}")
print(f"Taxes: ${tax:.2f}")
print(f"Insurance: ${insurance:.2f}")
print(f"PMI: ${pmi:.2f}")
print(f"Total: ${total:.2f}")
calculate_mortgage(400000, 40000, 7.0, 30)Comments & Feedback
Comments are powered by Giscus. Sign in with GitHub to leave a comment.