🏠 房贷保险 PMIPMI Calculator (Private Mortgage Insurance)
首付不足 20% 时通常需要 PMI：每月 PMI = 贷款额 × 年费率 ÷ 12；并显示贷款价值比（LTV）以及 LTV 降到 80% / 78% 时的贷款余额。本地处理。With less than 20% down you usually pay PMI: monthly PMI = loan × annual rate ÷ 12. Also shows the loan-to-value ratio (LTV) and the balance at which LTV reaches 80% / 78%. Processed locally.
使用说明与常见问题How-to & FAQ
「房贷保险 PMI」是什么？What is the PMI Calculator (Private Mortgage Insurance) tool?
首付不足 20% 时通常需要 PMI：每月 PMI = 贷款额 × 年费率 ÷ 12；并显示贷款价值比（LTV）以及 LTV 降到 80% / 78% 时的贷款余额。本地处理。With less than 20% down you usually pay PMI: monthly PMI = loan × annual rate ÷ 12. Also shows the loan-to-value ratio (LTV) and the balance at which LTV reaches 80% / 78%. Processed locally.
如何使用「房贷保险 PMI」？How do I use the PMI Calculator (Private Mortgage Insurance) tool?
填写房屋价值、贷款额和 PMI 年费率，即可得到每月 PMI、贷款价值比 LTV，以及 LTV 降到 80% / 78% 时的贷款余额。结果会随输入实时更新。Enter the home value, the loan amount and the PMI annual rate to get the monthly PMI, the loan-to-value ratio (LTV) and the balance at which LTV reaches 80% / 78%. The result updates as you type.
FHA 贷款？FHA loans?
FHA 贷款收取的是 MIP，规则和 PMI 不同，可能贯穿整个贷款期。FHA loans charge MIP, which follows different rules and can last the whole loan.
能举个计算实例吗？Can you show a worked example?
例如在「房贷保险 PMI」中填 房屋价值 = 300000，贷款额 = 270000，PMI 年费率 % = 0.5，结果区显示：贷款价值比 LTV：90%；每月 PMI：112.50；每年 PMI：1,350.00；可申请取消时余额（80%）：240,000.00；自动取消余额（78%）：234,000.00For example, entering Home value = 300000, Loan amount = 270000, PMI annual rate % = 0.5 in the PMI Calculator (Private Mortgage Insurance) gives: Loan-to-value: 90%; Monthly PMI: 112.50; Yearly PMI: 1,350.00; Balance to request removal (80%): 240,000.00; Automatic removal balance (78%): 234,000.00
哪些输入会被检查？Which inputs are validated?
「房贷保险 PMI」会检查这些输入——「房屋价值」、「贷款额」：必须填写，须大于 0；「PMI 年费率 %」：必须填写，不能为负数；绝对值超过 10¹⁵ 的数也会被拒绝。不符合时结果区显示具体提示，不会给出数字。The PMI Calculator (Private Mortgage Insurance) checks its inputs — "Home value", "Loan amount": required, must be greater than 0; "PMI annual rate %": required, cannot be negative; numbers above 10¹⁵ in absolute value are rejected too. When a value fails, the result area names the problem instead of showing a number.
有哪些选项可以调整？What options can I adjust?
「房贷保险 PMI」的设置：「房屋价值」默认 300000；「贷款额」默认 270000；「PMI 年费率 %」默认 0.5。每次生成结果都按当前设置处理。Settings in the PMI Calculator (Private Mortgage Insurance) — "Home value" default 300000; "Loan amount" default 270000; "PMI annual rate %" default 0.5. The result always uses the current settings.
计算结果可以作为最终依据吗？Can I rely on the result?
「房贷保险 PMI」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 PMI Calculator (Private Mortgage Insurance) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「房贷保险 PMI」免费吗？需要注册吗？Is the PMI Calculator (Private Mortgage Insurance) free? Do I need an account?
「房贷保险 PMI」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 PMI Calculator (Private Mortgage Insurance) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.