按揭計算器
分類： Uncategorized
- August 31, 2026
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Calculate your monthly mortgage payments and see a complete amortization schedule
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%
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$
$
Monthly Payment Breakdown
Total Monthly Payment
$0.00
Principal & Interest
$0.00
Property Tax
$0.00
Home Insurance
$0.00
Payment Distribution
Amortization Schedule
Loan Summary
Total Loan Amount
$0.00
Down Payment
$0.00
Total Principal Paid
$0.00
Total Interest Paid
$0.00
Total Cost of Loan
$0.00
Amortization Table
| 年 | Payment | Principal | Interest | Remaining Balance |
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About Mortgage Payments
A mortgage payment typically consists of four components, often referred to as PITI: Principal, Interest, Taxes, and Insurance.
Principal
This is the amount you borrowed and need to pay back. Each monthly payment reduces your principal balance.
Interest
This is the cost of borrowing money, calculated as a percentage of your remaining loan balance.
Taxes
Property taxes are typically collected monthly with your mortgage payment and held in an escrow account.
Insurance
Homeowners insurance protects your property and is typically required by lenders.
使用本計算器的提示
- Adjust the loan amount, interest rate, and term to see how they affect your monthly payment.
- Compare different down payment amounts to find a balance between upfront costs and monthly payments.
- Use the amortization table to understand how your payments are applied over time.
- Consider how property taxes and insurance contribute to your total housing costs.
Uncategorized 相關工具
沒有相關工具。
本工具計算什麼
每月供款額、總利息支出及還款攤分表。
- 公式
M = P ×［i(1 + i)ⁿ］÷［(1 + i)ⁿ − 1］，i 為月利率、n 為供款期數- 計算示例
- 500 萬港元、30 年期、年利率 4%，每月供款約 23,870 港元。
- 何時使用
- 落實按揭前，以及比較不同利率或年期時。
- 常見錯誤
- 只看每月供款金額。由 25 年延長至 30 年雖降低月供，總利息卻大幅增加。