Mortgage Calculator按揭计算器
Estimate your mortgage payment, the cash you need to close and your rental return.估算你的按揭月供、交易所需的现金和出租回报。
Mortgage and rental return calculators
Enter your numbers to estimate your payment and the cash you need to close. Results update as you type.
Mortgage calculator
Mortgage summary
Mortgage amount (with insurance)$0
Mortgage insurance premium$0
PST on premium (cash at closing)$0
Payment$0
Number of payments$0
Total interest$0
Total cost over the amortization$0
Cash needed at closing$0
Stress test payment$0
Estimate only. Canadian fixed-rate mortgages compound twice a year. Insurance premiums are typical published rates. Speak to your bank or mortgage broker.
Rental return estimator
Gross yield0
Net yield (cap rate)0
Yearly cash flow after mortgage0
Cash-on-cash return0
Want a second opinion on your numbers?
Guide
Canadian mortgage rules
Minimum down payment
| Purchase price | Minimum down payment |
|---|---|
| Up to $500,000 | 5% |
| $500,000 to $1.5 million | 5% of the first $500,000 + 10% of the rest |
| $1.5 million or more | 20% |
Mortgage insurance (less than 20% down)
| Down payment | Premium |
|---|---|
| 5% to 9.99% | 4.00% |
| 10% to 14.99% | 3.10% |
| 15% to 19.99% | 2.80% |
An extra 0.20% applies to 30-year amortizations. In BC, 7% PST on the premium is paid in cash at closing.
Good to know
- Stress test: you must qualify at your rate plus 2 points, or 5.25%, whichever is higher.
- Amortization: 30 years is available on insured mortgages for first-time buyers and new builds; otherwise 25 years.
- Payment frequency: accelerated bi-weekly payments can cut years off a mortgage. Ask your lender.
- Closing costs: include legal fees, title insurance, inspection and property transfer tax. See our Real Estate Tax and Real Estate Grant pages.
This calculator is for information purposes only. Users should not use this calculator to make any financial decisions and should speak with their bank or mortgage broker. The website owner does not guarantee the accuracy or reliability of any information or calculations provided by this calculator. The website owner is not liable for loss or damage of any kind arising from the use of this tool.
按揭与出租回报计算器
输入你的数字，估算月供和交易所需的现金。结果会随着输入即时更新。
按揭计算器
按揭摘要
按揭金额（含保险）$0
按揭保险保费$0
保费的PST（交易完成时以现金支付）$0
每期还款额$0
还款次数$0
总利息$0
摊还期内的总成本$0
交易完成时所需现金$0
压力测试还款额$0
仅为估算。加拿大固定利率按揭每年复利两次。保险保费为常见的公布费率。请咨询你的银行或贷款经纪。
出租回报估算器
总收益率0
净收益率（资本化率）0
扣除按揭后的年现金流0
现金回报率0
想对你的数字听听第二意见？
指南
加拿大按揭规定
最低首付
| 购买价格 | 最低首付 |
|---|---|
| $500,000及以下 | 5% |
| $500,000至$150万 | 前$500,000的5% + 其余部分的10% |
| $150万或以上 | 20% |
按揭保险（首付低于20%）
| 首付比例 | 保费 |
|---|---|
| 5%至9.99% | 4.00% |
| 10%至14.99% | 3.10% |
| 15%至19.99% | 2.80% |
30年摊还期需额外加收0.20%。在BC省，保费的7% PST需在交易完成时以现金支付。
值得了解
- 压力测试：你必须按“你的利率加2个百分点”或5.25%（取较高者）通过资格审核。
- 摊还期：首次购房者和新建房屋的保险按揭可选30年，其他情况为25年。
- 还款频率：加速的每两周还款可以缩短数年的还款期。请向贷款机构咨询。
- 交易成本：包括律师费、产权保险、验房费和物业转让税。请见我们的房地产税和房地产补助页面。
本计算器仅供参考。用户不应使用本计算器作出任何财务决定，并应咨询自己的银行或贷款经纪。网站所有者不保证本计算器提供的任何信息或计算的准确性或可靠性。对于因使用本工具造成的任何损失或损害，网站所有者概不负责。
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This page is general information, not legal, tax or financial advice.
本页面仅为一般性信息，不构成法律、税务或财务建议。
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The data relating to real estate on this website comes in part from the MLS® Reciprocity program of either the Greater Vancouver REALTORS® (GVR), the Fraser Valley Real Estate Board (FVREB) or the Chilliwack and District Real Estate Board (CADREB). Real estate listings held by participating real estate firms are marked with the MLS® logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by either the GVR, the FVREB or the CADREB which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of either the GVR, the FVREB or the CADREB.
The data relating to real estate on this website comes in part from the MLS® Reciprocity program of either the Greater Vancouver REALTORS® (GVR), the Fraser Valley Real Estate Board (FVREB) or the Chilliwack and District Real Estate Board (CADREB). Real estate listings held by participating real estate firms are marked with the MLS® logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by either the GVR, the FVREB or the CADREB which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of either the GVR, the FVREB or the CADREB.