房贷计算器Mortgage Calculator

按美国房贷口径计算：房价、首付比例、利率、年限一填，月供（本金+利息）、加上房产税/保险/HOA 的月总支出、总利息立刻出来，下面还有逐年还款表，看清每年本金和利息各还了多少。A US-style mortgage calculator: enter price, down payment, rate and term to get the monthly principal & interest, the all-in monthly cost with property tax, insurance and HOA, total interest, and a year-by-year table of principal vs interest.

房价（$）Home price ($) 首付（%）Down payment (%) 年利率（%）Interest rate (% / yr) 贷款年限Term (years) 房产税（房价的 %/年）Property tax (% of price / yr) 房屋保险（$/年）Home insurance ($ / yr) HOA（$/月，可空）HOA ($ / mo, optional)

贷款额Loan amount

月供（本金+利息）Monthly principal & interest

月总支出（含税/保险/HOA）Total monthly (incl. tax/ins/HOA)

总利息Total interest

贷款总成本（本金+利息）Total cost of loan

首付金额Down payment

逐年还款概览Year-by-year breakdown

说明Notes

说明：月供为等额本息（固定利率）口径；房产税按房价比例估算，各地税率和评估价口径不同（加州受 Prop 13 影响实际税额常低于新购价的 1.1% 起征后逐年小涨）。本工具用于规划估算，不构成贷款建议，实际报价以 lender 为准。Notes: payments assume a fixed-rate, fully amortizing loan. Property tax is estimated as a percentage of price; real bills vary by location and assessed value. For planning only — not lending advice; your lender's quote governs.