住宅ローン計算機
元利均等/元金均等返済方式で月々の返済額と詳細明細を計算
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| # | Pay | Prin | Int | Bal |
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| Enter parameters to calculate... | ||||
Equal Installment vs Equal Principal — Which Saves More?
Equal Installment (fixed monthly payment) suits buyers with stable income. Equal Principal (decreasing payment) has lower total interest — ideal if you plan early repayment. Compare both methods side-by-side with this calculator.
Mortgage Payment Formula Explained
Equal Installment: M = P × r × (1+r)^n / ((1+r)^n - 1). Equal Principal: monthly principal = P/n, monthly interest = remaining balance × r. Where P = loan amount, r = monthly rate, n = total months.
よくある質問
Fixed rate vs ARM (adjustable rate) — which is better?
Fixed rate offers payment stability over the full term. ARM starts lower but can increase. If you plan to stay 5-7 years, a 5/1 or 7/1 ARM may save money. Use this calculator to compare rates.
How much does extra payment reduce my mortgage?
Even $100 extra per month can shave years off your mortgage and save thousands in interest. Simulate extra payments by adjusting the loan amount or using shorter terms in the calculator.
What happens when LPR / prime rate changes?
For floating-rate mortgages, your payment adjusts annually based on the benchmark rate. An LPR cut means lower payments. Use different rate values in the calculator to see the impact on your monthly payment.
Can I combine a government-subsidized loan with a commercial loan?
Yes, a combo mortgage lets you maximize low-rate public housing fund loans and cover the remainder with a commercial loan. Calculate each portion separately and sum the monthly payments.