债务与住房

买房负担能力计算器

Q: 为什么贷款额比想象的小？

预算上限先被「税费+保险+其他」吃掉一块，再被比例约束封顶；如果还填了最低首付比例，房价另受 首付÷比例 封顶。结果卡里会标明到底被哪条卡住：住房支出上限、总负债上限，或最低首付比例。预算已经被占满时，参考房价显示为「—」，不会把首付当成可买房价。

银行批贷之前，先用自己的预算口径算算：这份收入加首付，撑得起多大的房子？

输入

月收入（税前）

其他债务月供

车贷、消费贷、已有房贷等每月固定要还的部分合计。

可拿出的首付

贷款期限（月）

年利率（%）

住房月支出：税费 · 保险 · 其他

房产税、保险、物业费等按你所在地区实际口径折成月额；没有就填 0。

预算比例 %：住房上限 · 总负债上限

情景假设，不是银行审批额度。美国常见口径 28/36；中文页预填「住房支出 ≤ 月收入 50%」常见口径。

最低首付比例 %（可选）

如填 30，房价按首付 ÷ 30% 封顶（取更严的约束）。不启用填 0。

参考房价

2,843,506.94

参考贷款额 2,243,506.94 · 首付占 21.1%

月供本金利息上限

10,200

实际月供(P&I)

10,200.00

实际卡住的约束

总负债占比上限

全期利息

1,428,493.06

住房支出占收入 42.0%（上限 50%）· 含其他债务 50.0%（上限 50%）

每月住房支出：只有本金积累资产，其余都是成本

项目	每月金额
月供：本金+利息	10,200.00
税费	0
保险	0
其他住房支出	300
住房支出合计	10,500.00
＋其他债务月供	12,500.00

年度摊还明细

第几年	当年本金	当年利息	年末余额
1	42,327.62	80,072.38	2,201,179.32
2	43,876.81	78,523.19	2,157,302.51
3	45,482.70	76,917.30	2,111,819.80
4	47,147.37	75,252.63	2,064,672.43
5	48,872.96	73,527.04	2,015,799.47
6	50,661.71	71,738.29	1,965,137.76
7	52,515.93	69,884.07	1,912,621.83
8	54,438.01	67,961.99	1,858,183.82
9	56,430.44	65,969.56	1,801,753.38
10	58,495.79	63,904.21	1,743,257.58
11	60,636.74	61,763.26	1,682,620.84
12	62,856.04	59,543.96	1,619,764.80
13	65,156.57	57,243.43	1,554,608.22
14	67,541.30	54,858.70	1,487,066.92
15	70,013.31	52,386.69	1,417,053.61
16	72,575.80	49,824.20	1,344,477.81
17	75,232.07	47,167.93	1,269,245.74
18	77,985.56	44,414.44	1,191,260.17
19	80,839.83	41,560.17	1,110,420.34
20	83,798.57	38,601.43	1,026,621.77
21	86,865.60	35,534.40	939,756.17
22	90,044.88	32,355.12	849,711.30
23	93,340.52	29,059.48	756,370.78
24	96,756.78	25,643.22	659,614.00
25	100,298.07	22,101.93	559,315.93
26	103,968.98	18,431.02	455,346.95
27	107,774.24	14,625.76	347,572.71
28	111,718.78	10,681.22	235,853.93
29	115,807.68	6,592.32	120,046.24
30	120,046.24	2,353.76	0

逐月摊还明细

期	月供	本金	利息	余额
1	10,200.00	3,469.48	6,730.52	2,240,037.46
2	10,200.00	3,479.89	6,720.11	2,236,557.58
3	10,200.00	3,490.33	6,709.67	2,233,067.25
4	10,200.00	3,500.80	6,699.20	2,229,566.45
5	10,200.00	3,511.30	6,688.70	2,226,055.15
6	10,200.00	3,521.83	6,678.17	2,222,533.32
7	10,200.00	3,532.40	6,667.60	2,219,000.92
8	10,200.00	3,543.00	6,657.00	2,215,457.92
9	10,200.00	3,553.63	6,646.37	2,211,904.29
10	10,200.00	3,564.29	6,635.71	2,208,340.01
11	10,200.00	3,574.98	6,625.02	2,204,765.03
12	10,200.00	3,585.70	6,614.30	2,201,179.32
13	10,200.00	3,596.46	6,603.54	2,197,582.86
14	10,200.00	3,607.25	6,592.75	2,193,975.61
15	10,200.00	3,618.07	6,581.93	2,190,357.53
16	10,200.00	3,628.93	6,571.07	2,186,728.61
17	10,200.00	3,639.81	6,560.19	2,183,088.79
18	10,200.00	3,650.73	6,549.27	2,179,438.06
19	10,200.00	3,661.69	6,538.31	2,175,776.37
20	10,200.00	3,672.67	6,527.33	2,172,103.70
21	10,200.00	3,683.69	6,516.31	2,168,420.01
22	10,200.00	3,694.74	6,505.26	2,164,725.27
23	10,200.00	3,705.82	6,494.18	2,161,019.45
24	10,200.00	3,716.94	6,483.06	2,157,302.51
25	10,200.00	3,728.09	6,471.91	2,153,574.41
26	10,200.00	3,739.28	6,460.72	2,149,835.14
27	10,200.00	3,750.49	6,449.51	2,146,084.64
28	10,200.00	3,761.75	6,438.25	2,142,322.90
29	10,200.00	3,773.03	6,426.97	2,138,549.87
30	10,200.00	3,784.35	6,415.65	2,134,765.52
31	10,200.00	3,795.70	6,404.30	2,130,969.81
32	10,200.00	3,807.09	6,392.91	2,127,162.72
33	10,200.00	3,818.51	6,381.49	2,123,344.21
34	10,200.00	3,829.97	6,370.03	2,119,514.24
35	10,200.00	3,841.46	6,358.54	2,115,672.78
36	10,200.00	3,852.98	6,347.02	2,111,819.80
37	10,200.00	3,864.54	6,335.46	2,107,955.26
38	10,200.00	3,876.13	6,323.87	2,104,079.13
39	10,200.00	3,887.76	6,312.24	2,100,191.37
40	10,200.00	3,899.43	6,300.57	2,096,291.94
41	10,200.00	3,911.12	6,288.88	2,092,380.82
42	10,200.00	3,922.86	6,277.14	2,088,457.96
43	10,200.00	3,934.63	6,265.37	2,084,523.33
44	10,200.00	3,946.43	6,253.57	2,080,576.90
45	10,200.00	3,958.27	6,241.73	2,076,618.63
46	10,200.00	3,970.14	6,229.86	2,072,648.49
47	10,200.00	3,982.05	6,217.95	2,068,666.43
48	10,200.00	3,994.00	6,206.00	2,064,672.43
49	10,200.00	4,005.98	6,194.02	2,060,666.45
50	10,200.00	4,018.00	6,182.00	2,056,648.45
51	10,200.00	4,030.05	6,169.95	2,052,618.40
52	10,200.00	4,042.14	6,157.86	2,048,576.25
53	10,200.00	4,054.27	6,145.73	2,044,521.98
54	10,200.00	4,066.43	6,133.57	2,040,455.55
55	10,200.00	4,078.63	6,121.37	2,036,376.91
56	10,200.00	4,090.87	6,109.13	2,032,286.04
57	10,200.00	4,103.14	6,096.86	2,028,182.90
58	10,200.00	4,115.45	6,084.55	2,024,067.45
59	10,200.00	4,127.80	6,072.20	2,019,939.65
60	10,200.00	4,140.18	6,059.82	2,015,799.47
61	10,200.00	4,152.60	6,047.40	2,011,646.87
62	10,200.00	4,165.06	6,034.94	2,007,481.81
63	10,200.00	4,177.55	6,022.45	2,003,304.26
64	10,200.00	4,190.09	6,009.91	1,999,114.17
65	10,200.00	4,202.66	5,997.34	1,994,911.51
66	10,200.00	4,215.27	5,984.73	1,990,696.25
67	10,200.00	4,227.91	5,972.09	1,986,468.33
68	10,200.00	4,240.59	5,959.41	1,982,227.74
69	10,200.00	4,253.32	5,946.68	1,977,974.42
70	10,200.00	4,266.08	5,933.92	1,973,708.35
71	10,200.00	4,278.87	5,921.13	1,969,429.47
72	10,200.00	4,291.71	5,908.29	1,965,137.76
73	10,200.00	4,304.59	5,895.41	1,960,833.17
74	10,200.00	4,317.50	5,882.50	1,956,515.67
75	10,200.00	4,330.45	5,869.55	1,952,185.22
76	10,200.00	4,343.44	5,856.56	1,947,841.77
77	10,200.00	4,356.47	5,843.53	1,943,485.30
78	10,200.00	4,369.54	5,830.46	1,939,115.76
79	10,200.00	4,382.65	5,817.35	1,934,733.10
80	10,200.00	4,395.80	5,804.20	1,930,337.30
81	10,200.00	4,408.99	5,791.01	1,925,928.31
82	10,200.00	4,422.22	5,777.78	1,921,506.10
83	10,200.00	4,435.48	5,764.52	1,917,070.62
84	10,200.00	4,448.79	5,751.21	1,912,621.83
85	10,200.00	4,462.13	5,737.87	1,908,159.69
86	10,200.00	4,475.52	5,724.48	1,903,684.17
87	10,200.00	4,488.95	5,711.05	1,899,195.23
88	10,200.00	4,502.41	5,697.59	1,894,692.81
89	10,200.00	4,515.92	5,684.08	1,890,176.89
90	10,200.00	4,529.47	5,670.53	1,885,647.42
91	10,200.00	4,543.06	5,656.94	1,881,104.36
92	10,200.00	4,556.69	5,643.31	1,876,547.68
93	10,200.00	4,570.36	5,629.64	1,871,977.32
94	10,200.00	4,584.07	5,615.93	1,867,393.25
95	10,200.00	4,597.82	5,602.18	1,862,795.43
96	10,200.00	4,611.61	5,588.39	1,858,183.82
97	10,200.00	4,625.45	5,574.55	1,853,558.37
98	10,200.00	4,639.32	5,560.68	1,848,919.04
99	10,200.00	4,653.24	5,546.76	1,844,265.80
100	10,200.00	4,667.20	5,532.80	1,839,598.60
101	10,200.00	4,681.20	5,518.80	1,834,917.39
102	10,200.00	4,695.25	5,504.75	1,830,222.15
103	10,200.00	4,709.33	5,490.67	1,825,512.81
104	10,200.00	4,723.46	5,476.54	1,820,789.35
105	10,200.00	4,737.63	5,462.37	1,816,051.72
106	10,200.00	4,751.84	5,448.16	1,811,299.87
107	10,200.00	4,766.10	5,433.90	1,806,533.77
108	10,200.00	4,780.40	5,419.60	1,801,753.38
109	10,200.00	4,794.74	5,405.26	1,796,958.64
110	10,200.00	4,809.12	5,390.88	1,792,149.51
111	10,200.00	4,823.55	5,376.45	1,787,325.96
112	10,200.00	4,838.02	5,361.98	1,782,487.94
113	10,200.00	4,852.54	5,347.46	1,777,635.40
114	10,200.00	4,867.09	5,332.91	1,772,768.31
115	10,200.00	4,881.70	5,318.30	1,767,886.61
116	10,200.00	4,896.34	5,303.66	1,762,990.27
117	10,200.00	4,911.03	5,288.97	1,758,079.24
118	10,200.00	4,925.76	5,274.24	1,753,153.48
119	10,200.00	4,940.54	5,259.46	1,748,212.94
120	10,200.00	4,955.36	5,244.64	1,743,257.58
121	10,200.00	4,970.23	5,229.77	1,738,287.35
122	10,200.00	4,985.14	5,214.86	1,733,302.22
123	10,200.00	5,000.09	5,199.91	1,728,302.12
124	10,200.00	5,015.09	5,184.91	1,723,287.03
125	10,200.00	5,030.14	5,169.86	1,718,256.89
126	10,200.00	5,045.23	5,154.77	1,713,211.66
127	10,200.00	5,060.37	5,139.63	1,708,151.30
128	10,200.00	5,075.55	5,124.45	1,703,075.75
129	10,200.00	5,090.77	5,109.23	1,697,984.98
130	10,200.00	5,106.05	5,093.95	1,692,878.93
131	10,200.00	5,121.36	5,078.64	1,687,757.57
132	10,200.00	5,136.73	5,063.27	1,682,620.84
133	10,200.00	5,152.14	5,047.86	1,677,468.70
134	10,200.00	5,167.59	5,032.41	1,672,301.11
135	10,200.00	5,183.10	5,016.90	1,667,118.01
136	10,200.00	5,198.65	5,001.35	1,661,919.37
137	10,200.00	5,214.24	4,985.76	1,656,705.12
138	10,200.00	5,229.88	4,970.12	1,651,475.24
139	10,200.00	5,245.57	4,954.43	1,646,229.67
140	10,200.00	5,261.31	4,938.69	1,640,968.35
141	10,200.00	5,277.09	4,922.91	1,635,691.26
142	10,200.00	5,292.93	4,907.07	1,630,398.33
143	10,200.00	5,308.80	4,891.20	1,625,089.53
144	10,200.00	5,324.73	4,875.27	1,619,764.80
145	10,200.00	5,340.71	4,859.29	1,614,424.09
146	10,200.00	5,356.73	4,843.27	1,609,067.36
147	10,200.00	5,372.80	4,827.20	1,603,694.57
148	10,200.00	5,388.92	4,811.08	1,598,305.65
149	10,200.00	5,405.08	4,794.92	1,592,900.57
150	10,200.00	5,421.30	4,778.70	1,587,479.27
151	10,200.00	5,437.56	4,762.44	1,582,041.71
152	10,200.00	5,453.87	4,746.13	1,576,587.83
153	10,200.00	5,470.24	4,729.76	1,571,117.59
154	10,200.00	5,486.65	4,713.35	1,565,630.95
155	10,200.00	5,503.11	4,696.89	1,560,127.84
156	10,200.00	5,519.62	4,680.38	1,554,608.22
157	10,200.00	5,536.18	4,663.82	1,549,072.05
158	10,200.00	5,552.78	4,647.22	1,543,519.26
159	10,200.00	5,569.44	4,630.56	1,537,949.82
160	10,200.00	5,586.15	4,613.85	1,532,363.67
161	10,200.00	5,602.91	4,597.09	1,526,760.76
162	10,200.00	5,619.72	4,580.28	1,521,141.05
163	10,200.00	5,636.58	4,563.42	1,515,504.47
164	10,200.00	5,653.49	4,546.51	1,509,850.98
165	10,200.00	5,670.45	4,529.55	1,504,180.53
166	10,200.00	5,687.46	4,512.54	1,498,493.08
167	10,200.00	5,704.52	4,495.48	1,492,788.56
168	10,200.00	5,721.63	4,478.37	1,487,066.92
169	10,200.00	5,738.80	4,461.20	1,481,328.12
170	10,200.00	5,756.02	4,443.98	1,475,572.11
171	10,200.00	5,773.28	4,426.72	1,469,798.82
172	10,200.00	5,790.60	4,409.40	1,464,008.22
173	10,200.00	5,807.98	4,392.02	1,458,200.24
174	10,200.00	5,825.40	4,374.60	1,452,374.84
175	10,200.00	5,842.88	4,357.12	1,446,531.97
176	10,200.00	5,860.40	4,339.60	1,440,671.56
177	10,200.00	5,877.99	4,322.01	1,434,793.58
178	10,200.00	5,895.62	4,304.38	1,428,897.96
179	10,200.00	5,913.31	4,286.69	1,422,984.65
180	10,200.00	5,931.05	4,268.95	1,417,053.61
181	10,200.00	5,948.84	4,251.16	1,411,104.77
182	10,200.00	5,966.69	4,233.31	1,405,138.08
183	10,200.00	5,984.59	4,215.41	1,399,153.50
184	10,200.00	6,002.54	4,197.46	1,393,150.96
185	10,200.00	6,020.55	4,179.45	1,387,130.41
186	10,200.00	6,038.61	4,161.39	1,381,091.80
187	10,200.00	6,056.72	4,143.28	1,375,035.08
188	10,200.00	6,074.89	4,125.11	1,368,960.18
189	10,200.00	6,093.12	4,106.88	1,362,867.06
190	10,200.00	6,111.40	4,088.60	1,356,755.66
191	10,200.00	6,129.73	4,070.27	1,350,625.93
192	10,200.00	6,148.12	4,051.88	1,344,477.81
193	10,200.00	6,166.57	4,033.43	1,338,311.24
194	10,200.00	6,185.07	4,014.93	1,332,126.18
195	10,200.00	6,203.62	3,996.38	1,325,922.56
196	10,200.00	6,222.23	3,977.77	1,319,700.32
197	10,200.00	6,240.90	3,959.10	1,313,459.42
198	10,200.00	6,259.62	3,940.38	1,307,199.80
199	10,200.00	6,278.40	3,921.60	1,300,921.40
200	10,200.00	6,297.24	3,902.76	1,294,624.17
201	10,200.00	6,316.13	3,883.87	1,288,308.04
202	10,200.00	6,335.08	3,864.92	1,281,972.96
203	10,200.00	6,354.08	3,845.92	1,275,618.88
204	10,200.00	6,373.14	3,826.86	1,269,245.74
205	10,200.00	6,392.26	3,807.74	1,262,853.47
206	10,200.00	6,411.44	3,788.56	1,256,442.04
207	10,200.00	6,430.67	3,769.33	1,250,011.36
208	10,200.00	6,449.97	3,750.03	1,243,561.40
209	10,200.00	6,469.32	3,730.68	1,237,092.08
210	10,200.00	6,488.72	3,711.28	1,230,603.36
211	10,200.00	6,508.19	3,691.81	1,224,095.17
212	10,200.00	6,527.71	3,672.29	1,217,567.45
213	10,200.00	6,547.30	3,652.70	1,211,020.15
214	10,200.00	6,566.94	3,633.06	1,204,453.21
215	10,200.00	6,586.64	3,613.36	1,197,866.57
216	10,200.00	6,606.40	3,593.60	1,191,260.17
217	10,200.00	6,626.22	3,573.78	1,184,633.95
218	10,200.00	6,646.10	3,553.90	1,177,987.86
219	10,200.00	6,666.04	3,533.96	1,171,321.82
220	10,200.00	6,686.03	3,513.97	1,164,635.79
221	10,200.00	6,706.09	3,493.91	1,157,929.69
222	10,200.00	6,726.21	3,473.79	1,151,203.48
223	10,200.00	6,746.39	3,453.61	1,144,457.09
224	10,200.00	6,766.63	3,433.37	1,137,690.46
225	10,200.00	6,786.93	3,413.07	1,130,903.53
226	10,200.00	6,807.29	3,392.71	1,124,096.25
227	10,200.00	6,827.71	3,372.29	1,117,268.53
228	10,200.00	6,848.19	3,351.81	1,110,420.34
229	10,200.00	6,868.74	3,331.26	1,103,551.60
230	10,200.00	6,889.35	3,310.65	1,096,662.26
231	10,200.00	6,910.01	3,289.99	1,089,752.24
232	10,200.00	6,930.74	3,269.26	1,082,821.50
233	10,200.00	6,951.54	3,248.46	1,075,869.96
234	10,200.00	6,972.39	3,227.61	1,068,897.57
235	10,200.00	6,993.31	3,206.69	1,061,904.27
236	10,200.00	7,014.29	3,185.71	1,054,889.98
237	10,200.00	7,035.33	3,164.67	1,047,854.65
238	10,200.00	7,056.44	3,143.56	1,040,798.21
239	10,200.00	7,077.61	3,122.39	1,033,720.61
240	10,200.00	7,098.84	3,101.16	1,026,621.77
241	10,200.00	7,120.13	3,079.87	1,019,501.63
242	10,200.00	7,141.50	3,058.50	1,012,360.14
243	10,200.00	7,162.92	3,037.08	1,005,197.22
244	10,200.00	7,184.41	3,015.59	998,012.81
245	10,200.00	7,205.96	2,994.04	990,806.85
246	10,200.00	7,227.58	2,972.42	983,579.27
247	10,200.00	7,249.26	2,950.74	976,330.01
248	10,200.00	7,271.01	2,928.99	969,059.00
249	10,200.00	7,292.82	2,907.18	961,766.18
250	10,200.00	7,314.70	2,885.30	954,451.47
251	10,200.00	7,336.65	2,863.35	947,114.83
252	10,200.00	7,358.66	2,841.34	939,756.17
253	10,200.00	7,380.73	2,819.27	932,375.44
254	10,200.00	7,402.87	2,797.13	924,972.57
255	10,200.00	7,425.08	2,774.92	917,547.49
256	10,200.00	7,447.36	2,752.64	910,100.13
257	10,200.00	7,469.70	2,730.30	902,630.43
258	10,200.00	7,492.11	2,707.89	895,138.32
259	10,200.00	7,514.59	2,685.41	887,623.73
260	10,200.00	7,537.13	2,662.87	880,086.61
261	10,200.00	7,559.74	2,640.26	872,526.87
262	10,200.00	7,582.42	2,617.58	864,944.45
263	10,200.00	7,605.17	2,594.83	857,339.28
264	10,200.00	7,627.98	2,572.02	849,711.30
265	10,200.00	7,650.87	2,549.13	842,060.43
266	10,200.00	7,673.82	2,526.18	834,386.61
267	10,200.00	7,696.84	2,503.16	826,689.77
268	10,200.00	7,719.93	2,480.07	818,969.84
269	10,200.00	7,743.09	2,456.91	811,226.75
270	10,200.00	7,766.32	2,433.68	803,460.43
271	10,200.00	7,789.62	2,410.38	795,670.81
272	10,200.00	7,812.99	2,387.01	787,857.83
273	10,200.00	7,836.43	2,363.57	780,021.40
274	10,200.00	7,859.94	2,340.06	772,161.46
275	10,200.00	7,883.52	2,316.48	764,277.95
276	10,200.00	7,907.17	2,292.83	756,370.78
277	10,200.00	7,930.89	2,269.11	748,439.89
278	10,200.00	7,954.68	2,245.32	740,485.21
279	10,200.00	7,978.54	2,221.46	732,506.67
280	10,200.00	8,002.48	2,197.52	724,504.19
281	10,200.00	8,026.49	2,173.51	716,477.70
282	10,200.00	8,050.57	2,149.43	708,427.13
283	10,200.00	8,074.72	2,125.28	700,352.42
284	10,200.00	8,098.94	2,101.06	692,253.47
285	10,200.00	8,123.24	2,076.76	684,130.23
286	10,200.00	8,147.61	2,052.39	675,982.62
287	10,200.00	8,172.05	2,027.95	667,810.57
288	10,200.00	8,196.57	2,003.43	659,614.00
289	10,200.00	8,221.16	1,978.84	651,392.85
290	10,200.00	8,245.82	1,954.18	643,147.02
291	10,200.00	8,270.56	1,929.44	634,876.47
292	10,200.00	8,295.37	1,904.63	626,581.09
293	10,200.00	8,320.26	1,879.74	618,260.84
294	10,200.00	8,345.22	1,854.78	609,915.62
295	10,200.00	8,370.25	1,829.75	601,545.37
296	10,200.00	8,395.36	1,804.64	593,150.00
297	10,200.00	8,420.55	1,779.45	584,729.45
298	10,200.00	8,445.81	1,754.19	576,283.64
299	10,200.00	8,471.15	1,728.85	567,812.49
300	10,200.00	8,496.56	1,703.44	559,315.93
301	10,200.00	8,522.05	1,677.95	550,793.88
302	10,200.00	8,547.62	1,652.38	542,246.26
303	10,200.00	8,573.26	1,626.74	533,673.00
304	10,200.00	8,598.98	1,601.02	525,074.02
305	10,200.00	8,624.78	1,575.22	516,449.24
306	10,200.00	8,650.65	1,549.35	507,798.59
307	10,200.00	8,676.60	1,523.40	499,121.98
308	10,200.00	8,702.63	1,497.37	490,419.35
309	10,200.00	8,728.74	1,471.26	481,690.61
310	10,200.00	8,754.93	1,445.07	472,935.68
311	10,200.00	8,781.19	1,418.81	464,154.49
312	10,200.00	8,807.54	1,392.46	455,346.95
313	10,200.00	8,833.96	1,366.04	446,512.99
314	10,200.00	8,860.46	1,339.54	437,652.53
315	10,200.00	8,887.04	1,312.96	428,765.49
316	10,200.00	8,913.70	1,286.30	419,851.78
317	10,200.00	8,940.44	1,259.56	410,911.34
318	10,200.00	8,967.27	1,232.73	401,944.07
319	10,200.00	8,994.17	1,205.83	392,949.90
320	10,200.00	9,021.15	1,178.85	383,928.75
321	10,200.00	9,048.21	1,151.79	374,880.54
322	10,200.00	9,075.36	1,124.64	365,805.18
323	10,200.00	9,102.58	1,097.42	356,702.60
324	10,200.00	9,129.89	1,070.11	347,572.71
325	10,200.00	9,157.28	1,042.72	338,415.42
326	10,200.00	9,184.75	1,015.25	329,230.67
327	10,200.00	9,212.31	987.69	320,018.36
328	10,200.00	9,239.94	960.06	310,778.42
329	10,200.00	9,267.66	932.34	301,510.75
330	10,200.00	9,295.47	904.53	292,215.28
331	10,200.00	9,323.35	876.65	282,891.93
332	10,200.00	9,351.32	848.68	273,540.61
333	10,200.00	9,379.38	820.62	264,161.23
334	10,200.00	9,407.52	792.48	254,753.71
335	10,200.00	9,435.74	764.26	245,317.97
336	10,200.00	9,464.05	735.95	235,853.93
337	10,200.00	9,492.44	707.56	226,361.49
338	10,200.00	9,520.92	679.08	216,840.57
339	10,200.00	9,549.48	650.52	207,291.09
340	10,200.00	9,578.13	621.87	197,712.97
341	10,200.00	9,606.86	593.14	188,106.11
342	10,200.00	9,635.68	564.32	178,470.43
343	10,200.00	9,664.59	535.41	168,805.84
344	10,200.00	9,693.58	506.42	159,112.25
345	10,200.00	9,722.66	477.34	149,389.59
346	10,200.00	9,751.83	448.17	139,637.76
347	10,200.00	9,781.09	418.91	129,856.67
348	10,200.00	9,810.43	389.57	120,046.24
349	10,200.00	9,839.86	360.14	110,206.38
350	10,200.00	9,869.38	330.62	100,337.00
351	10,200.00	9,898.99	301.01	90,438.01
352	10,200.00	9,928.69	271.31	80,509.33
353	10,200.00	9,958.47	241.53	70,550.85
354	10,200.00	9,988.35	211.65	60,562.51
355	10,200.00	10,018.31	181.69	50,544.19
356	10,200.00	10,048.37	151.63	40,495.83
357	10,200.00	10,078.51	121.49	30,417.31
358	10,200.00	10,108.75	91.25	20,308.57
359	10,200.00	10,139.07	60.93	10,169.49
360	10,200.00	10,169.49	30.51	0

计算口径：月供上限 = min(收入×住房支出占比, 收入×总负债占比 − 其他债务) − 住房支出；贷款 = 年金现值来源：全部按你在表单里填的数字在浏览器本地计算，不读取行情或外部数据更新日期：2026-11-03

比例是假设，不是审批额度

中文版默认按「住房月支出 ≤ 月收入 50%」的常见口径预填；英文版默认按美国 28/36 经验法则（住房支出 ≤ 收入 28%，住房加其他债务 ≤ 36%）。两个比例都可以改——它们只是预算参考，不是任何银行的审批标准，各地各行规则差异很大。

算法是：预算上限 = min(收入×比例一, 收入×比例二 − 其他债务月供)，再减去你填的税费、保险和其他住房支出，剩下的才是月供本金利息的上限；按年金公式反推可贷额度，加上首付得到参考房价。填了最低首付比例时，房价还会被首付 ÷ 比例封顶，取两者更严的那个。

月供里只有本金在积累资产

每月还款 = 本金 + 利息，而完整住房月支出还要再加税费、保险和其他费用——利息和后三样都是纯成本，只有本金部分在变成你的房产。摊还明细把这一点摊开：等额本息前几年利息占大头，本金占比逐月抬升。

税费、保险、物业费等各地差异极大且经常变动，本工具不内置任何城市或国家费率——全由你按实际情况填，留空就按 0 算。

常见问题

这个「参考房价」能当贷款预审用吗？

不能。它按你自己设的收入比例上限倒推，只回答「按我的预算口径能撑多大」。银行审批还看征信、首付来源、房龄、收入稳定性等，请以正式预审为准。

等额本金（递减月供）能算吗？

本工具按等额本息（月供恒定）建模，便于和收入比例直接对应。等额本金下的月供前高后低，摊还结构不同，可配合站内「房贷提前还款计算器」看两种方式的区别。

住房相关支出该填什么？

填持有阶段每月固定要出的钱：房产税/物业费/保险等按你所在城市和楼盘的实际口径折算成月额。填不准可以先用 0，但要知道月供之外还有这些纯成本。

为什么贷款额比想象的小？

预算上限先被「税费+保险+其他」吃掉一块，再被比例约束封顶；如果还填了最低首付比例，房价另受首付÷比例封顶。结果卡里会标明到底被哪条卡住：住房支出上限、总负债上限，或最低首付比例。预算已经被占满时，参考房价显示为「—」，不会把首付当成可买房价。

按月复利与年金公式在本地演算；比例阈值为可修改假设，不构成银行审批额度；税费保险等由你填写，本站不内置地区费率。仅供参考，不构成贷款或投资建议。

输入

比例是假设，不是审批额度

月供里只有本金在积累资产

常见问题

相关工具