房貸試算｜房屋貸款每月還款金額計算器

Instructions

• House Total Price：Enter the house price, then combine with the loan ratio to automatically calculate the loan amount.
• Loan Ratio：The percentage of house price the bank is willing to loan. For example, 70% means you can borrow 70% of the house price. First-time buyers typically qualify for 70-80%, while investors typically 50-60%.
• Equal Payment Method：Fixed monthly payment (principal + interest). Initially, more interest is paid with less principal; over time, the principal ratio gradually increases.
• Equal Principal Method：Fixed monthly principal payment. Interest decreases as the principal balance decreases. Initial monthly payments are higher, then gradually decrease each month.
• Calculation results are for reference only，For actual loan conditions (ratio, rate, term), please contact your bank.