🧮 购房总成本估算（中国）China Home Purchase Cost Estimator
估算买房一次性支出：首付、契税、中介费、维修基金、权属登记等（比例均可改），不含贷款利息。Estimate one-off China home-buying costs: down payment, deed tax, agency fee, maintenance fund, registration (all rates editable). Loan interest not included.
使用说明与常见问题How-to & FAQ
「购房总成本估算（中国）」是什么？What is the China Home Purchase Cost Estimator tool?
估算买房一次性支出：首付、契税、中介费、维修基金、权属登记等（比例均可改），不含贷款利息。Estimate one-off China home-buying costs: down payment, deed tax, agency fee, maintenance fund, registration (all rates editable). Loan interest not included.
如何使用「购房总成本估算（中国）」？How do I use the China Home Purchase Cost Estimator tool?
在「购房总成本估算（中国）」中，填写「房价（元）」、「首付比例 %」、「契税税率 %」、「中介费 %」、「维修基金 %」等参数，结果会随输入实时计算并显示在下方。In the China Home Purchase Cost Estimator: Fill in "Home price (CNY)", "Down payment %", "Deed tax %", "Agency fee %", "Maintenance fund %"; results are recalculated instantly as you type.
还要准备多少现金？How much cash do I need?
一次性合计 ≈ 首付 + 契税 + 中介 + 维修基金 + 其他。月供另计，可用商业房贷 / 公积金贷款计算器。One-off total ≈ down payment + deed tax + agency + maintenance fund + other. Use the mortgage calculators for monthly payments.
计算结果可以作为最终依据吗？Can I rely on the result?
「购房总成本估算（中国）」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The China Home Purchase Cost Estimator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「购房总成本估算（中国）」免费吗？需要注册吗？Is the China Home Purchase Cost Estimator free? Do I need an account?
「购房总成本估算（中国）」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The China Home Purchase Cost Estimator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.