关于本计算器
A mortgage calculator estimates PITI — principal and interest plus property tax and insurance — and shows when PMI drops off and how extra payments shorten the loan.
房屋按揭贷款计算器
计算月供总额、利息支出、税费及提前还贷省钱方案分析。
输入计算参数
房屋总价 (¥ / $)$400,000
$80,000
计算结果摘要
·
每月综合还款额
$2539.28
本金及利息: $2022.62/个月借款本金$320,000
年房产税$400.0/个月
房屋保险费/年$116.7/个月
贷款保险无 (首付比例 >= 20%)
常见问题
What is PITI?
Principal, interest, property tax and homeowner’s insurance combined into one monthly payment.
When does PMI go away?
PMI usually cancels once the loan balance falls to 80% of the home value (20% equity); the calculator flags the no-PMI case.
Do extra payments help?
Yes — even small extra principal payments cut months off the term and save interest, see the early-payoff savings block.