Tools
Estimate Your Monthly Payment With Our Mortgage Calculator
按房价、首付、利率、摊还期与还款频率计算月供——需要 CMHC 保险时会自动计入。
Monthly payment
$3,401
- Principal borrowed
- $600,000
- Total interest over amortization
- $420,407
- CMHC insurance premium
- Not required
- Down payment
- $150,000 (20.0%)
Not included
Property tax, condo maintenance fees and home insurance are paid separately and are not part of this payment. Budget for them alongside it.
CMHC premium schedule as of 2026-08-18. Estimate only — not financial advice. Actual payments, insurance premiums and approval depend on your lender.
计算方式
这是怎么算出来的
从保险开始，再到加拿大的复利规则、摊还期与还款频率——每一步都写明白。
先定保险
首付低于 20% 时，必须购买 CMHC 违约保险。保费依照公布的费率表计算，并计入贷款，而不是另外付现。
加拿大的复利方式
在加拿大，固定利率按揭依法按半年复利，所以您输入的利率会先换算成真实的每期利率，然后才进入任何计算。
摊还期决定节奏
月供就是那个能在摊还期结束时恰好还清贷款的金额。期限越长，月供越小，总利息越多。
频率改变结果
加速方案每两周支付月供的一半——相当于一年多供一次，且直接冲抵本金。
Keep going
From numbers to keys
- Land transfer tax calculatorOntario's tax, Toronto's municipal tax, and both first-time buyer rebates.
- How does buying your first home in Ontario work?The process from pre-approval to keys, what it costs, and where first-time buyer rebates apply.
- How do mortgages and financing work when buying?Pre-approval, down payments, CMHC insurance, and how rates shape what you can afford.
- What are the closing costs when buying a home?Land transfer tax, legal fees, adjustments, and the cash you need beyond the down payment.
A second pair of eyes
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Leave your details and we will walk the numbers with you — what they mean for your offer, and what the calculator cannot see.
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Good to know
关于按揭，逐条解答
CMHC 按揭违约保险要多少钱？
如果首付低于 20%，就必须购买 CMHC 违约保险；保费是贷款额的一个百分比，首付越高，比例越低。保费通常计入按揭贷款，而不是另外付现。计算器会自动套用现行的 CMHC 保费表。
摊还期可以选多长？
多数买家选择 25 年；带保险的按揭一般以此为上限，而 30 年在某些情况下可选，例如部分首次置业者和新建房。摊还期越长，月供越低，但支付的总利息越多——计算器两者都会显示。
为什么加速双周供款能更快还清按揭？
加速双周供款是指每两周支付月供的一半——一年 26 次半额供款，相当于一年供 13 个月而不是 12 个月。多出的那一次供款会直接冲抵本金。
这算是贷款批准或利率方案吗？
不算——这是用于规划的估算。您实际的还款额、保费与获批与否，取决于您的贷款机构。与我们联系，我们可以为您对接能锁定真实利率的按揭经纪。
Numbers into keys
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