房贷计算器

{"msg":"pong","code":200,"data":{"time":"2026-10-22 22:47:14","version":"1.0","features":["commercial","fund","combined","equal_payment","equal_principal","taxes"],"batch_limit":10}}

{"msg":"success","code":200,"data":{"loan":{"fund":{"name":"公积金贷款","max_years":30,"default_rates":{"second_home":{"note":"二套上浮10% 3.325%","rate":0.03325},"first_home_above_5y":{"note":"5年以上 2.85%","rate":0.0285},"first_home_below_5y":{"note":"5年以下 2.35%","rate":0.0235}}},"methods":{"equal_payment":{"desc":"每月还款额固定, 前期利息占比高","name":"等额本息"},"equal_principal":{"desc":"每月本金固定, 利息递减, 月供逐月减少","name":"等额本金"}},"commercial":{"name":"商业贷款","max_years":30,"default_rates":{"first_home":{"note":"首套 LPR 3.6% - 0.5%","rate":0.031},"third_home":{"note":"三套及以上","rate":0.05},"second_home":{"note":"二套 LPR 3.6% - 0.1%","rate":0.035}}}},"taxes":{"vat":{"name":"增值税 (5.3% 含附加)","rules":{"new_house":{"note":"新房免征","rate":0},"second_hand_under_2y":{"note":"不满2年全额征收","rate":0.053},"second_hand_over_2y_ordinary":{"note":"满2年普通住宅免征","rate":0},"second_hand_over_2y_non_ordinary_other":{"note":"非一线非普通住宅满2年免征","rate":0},"second_hand_over_2y_non_ordinary_special":{"note":"北上广深非普通住宅满2年按差额征收","rate":0.053}}},"deed_tax":{"name":"契税","rules":{"second_home_special":{"note":"北上广深二套","rate":0.03},"third_home_or_above":{"note":"三套及以上","rate":0.03},"first_home_area_gt_90":{"note":"首套 >90㎡","rate":0.015},"first_home_area_le_90":{"note":"首套 ≤90㎡","rate":0.01},"second_home_area_gt_90":{"note":"二套 >90㎡ (非一线)","rate":0.02},"second_home_area_le_90":{"note":"二套 ≤90㎡ (非一线)","rate":0.01}}},"stamp_tax":{"name":"印花税","rules":{"residential":{"note":"住宅免征 (2008年起)","rate":0},"non_residential":{"note":"非住宅 0.05%","rate":0.0005}}},"agency_fee":{"name":"中介费","note":"二手房, 1%-3% 可议","default_rate":0.02},"income_tax":{"name":"个人所得税","rules":{"new_house":{"note":"新房无个税","rate":0},"over_5y_only_home":{"note":"满5年唯一住房免征","rate":0},"otherwise_valuation":{"note":"按总价1%核定征收","rate":0.01},"otherwise_verification":{"note":"按差额20%查验征收 (本接口默认按核定)","rate":0.2}}},"evaluation_fee":{"name":"评估费","note":"商业贷款抵押物评估, 一般 0.1%-0.5%","default_rate":0.003},"transaction_fee":{"name":"交易手续费","residential_per_m2":2,"non_residential_per_m2":11},"registration_fee":{"name":"产权登记费","residential":80,"non_residential":550}},"updated_at":"2026-06-30","policy_basis":{"契税":"财税[2016]23号","印花税":"财税[2008]137号 住宅免征","增值税":"财税[2016]36号 营改增","商业贷款利率":"2024-10 LPR 5年期 3.6%","公积金贷款利率":"2024-05 公积金利率调整"},"special_vat_cities":["beijing","shanghai","guangzhou","shenzhen","北京","上海","广州","深圳"]}}

{"msg":"success","code":200,"data":{"loan":{"type":"commercial","method":"equal_payment","months":360,"commercial":{"rate":0.042,"years":30,"months":360,"principal":2000000,"rate_source":"custom","monthly_rate":0.0035,"total_payment":3520923.65,"total_interest":1520923.65,"monthly_payment":9780.34,"monthly_decrease":0,"last_month_payment":9780.34,"first_month_payment":9780.34},"total_payment":3520923.65,"total_interest":1520923.65,"monthly_payment":9780.34,"total_principal":2000000,"monthly_decrease":0,"last_month_payment":0,"first_month_payment":0},"input":{"area":100,"city":"beijing","method":"equal_payment","home_tier":1,"loan_type":"commercial","house_years":0,"is_ordinary":true,"total_price":3000000,"is_only_home":false,"is_first_home":true,"is_second_hand":true},"taxes":{"items":[{"name":"契税","rate":0.015,"amount":45000,"reason":"首套 >90㎡ 1.5%"},{"name":"增值税","rate":0.053,"amount":159000,"reason":"不满2年全额征收"},{"name":"个人所得税","rate":0.01,"amount":30000,"reason":"不满5年, 按1%核定征收"},{"name":"印花税","rate":0,"amount":0,"reason":"住宅免征"},{"name":"产权登记费","rate":null,"amount":80,"reason":"住宅 80元/套"},{"name":"交易手续费","rate":null,"amount":200,"reason":"住宅 2元/㎡"}],"total":234280},"summary":{"total_cost":4755203.65,"house_price":3000000,"loan_months":360,"taxes_total":234280,"down_payment":1000000,"first_payment":1234280,"loan_principal":2000000,"monthly_payment":9780.34,"loan_total_payment":3520923.65,"loan_total_interest":1520923.65},"schedule":null}}