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住宅ローン計算

無料の住宅ローン計算ツール。元金、利息、固定資産税、保険を含む月々の支払い(PITI)を estimatします。あらゆる通貨に対応、ブラウザで動作します。

Runs in your browser

From the price tag to the keys, the monthly cheque made plain.

P & I covers principal and interest only. Property tax and insurance vary by lender; the figures above are working approximations.

編集者注

Understanding · Thirty years of one number.

この詳細な解説章は現在、英語版のみで提供されています。上の変換ツールはあなたの言語で動作しますが、長文の解説記事はまだ翻訳されていません。

よくある質問

Quick answers.

What is PITI?

Principal, Interest, Taxes and Insurance — the four parts of your monthly housing payment that lenders use to qualify you.

Should I make a 20% down payment?

20% avoids private mortgage insurance (PMI) on US conforming loans, but lower down payments are common (3-5% with FHA / first-time buyer programs).

Does this include HOA fees?

No — add HOA dues separately to your total monthly cost. We only model PITI.

Fixed or variable rate?

We assume a fixed rate. For ARMs the early-term rate is the same calculation; later years vary with the index.

Is the calculator free?

Yes — fully free, no signup, runs in your browser.

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