由 MortgageKit 量化计算引擎驱动
AI 房贷计算器与还款计划引擎
精确计算月供（本息、税费、房屋保险、PMI、HOA），可视化摊还计划，模拟提前还款，评估房利美/房地美 28/36 购房承受能力法则。
完整还款计划表（按年汇总）
每年年末的本金、利息与剩余贷款余额详细汇总。
| 年份 | 偿还本金 | 偿还利息 | 年度还款总额 | 期末余额 |
|---|---|---|---|---|
| Year 2026 | $3410 | $21496 | $24906 | $316590 |
| Year 2027 | $3648 | $21258 | $24906 | $312942 |
| Year 2028 | $3902 | $21004 | $24906 | $309040 |
| Year 2029 | $4174 | $20733 | $24906 | $304866 |
| Year 2030 | $4464 | $20442 | $24906 | $300402 |
| Year 2031 | $4775 | $20131 | $24906 | $295627 |
| Year 2032 | $5107 | $19799 | $24906 | $290520 |
| Year 2033 | $5463 | $19443 | $24906 | $285057 |
| Year 2034 | $5843 | $19063 | $24906 | $279213 |
| Year 2035 | $6250 | $18656 | $24906 | $272963 |
| Year 2036 | $6685 | $18221 | $24906 | $266278 |
| Year 2037 | $7151 | $17755 | $24906 | $259127 |
| Year 2038 | $7649 | $17257 | $24906 | $251478 |
| Year 2039 | $8181 | $16725 | $24906 | $243296 |
| Year 2040 | $8751 | $16155 | $24906 | $234545 |
| Year 2041 | $9360 | $15546 | $24906 | $225185 |
| Year 2042 | $10012 | $14894 | $24906 | $215173 |
| Year 2043 | $10709 | $14197 | $24906 | $204463 |
| Year 2044 | $11455 | $13451 | $24906 | $193008 |
| Year 2045 | $12253 | $12654 | $24906 | $180756 |
| Year 2046 | $13106 | $11801 | $24906 | $167650 |
| Year 2047 | $14018 | $10888 | $24906 | $153632 |
| Year 2048 | $14994 | $9912 | $24906 | $138638 |
| Year 2049 | $16038 | $8868 | $24906 | $122600 |
| Year 2050 | $17155 | $7751 | $24906 | $105445 |
| Year 2051 | $18349 | $6557 | $24906 | $87095 |
| Year 2052 | $19627 | $5279 | $24906 | $67468 |
| Year 2053 | $20994 | $3913 | $24906 | $46474 |
| Year 2054 | $22455 | $2451 | $24906 | $24019 |
| Year 2055 | $24019 | $887 | $24906 | $0 |
Jack (借款人)
提前还款看涨期权“当利率下行时，我拥有无罚金再融资的主动权——这相当于我免费持有了一份利率看涨期权！”
Maya (放贷机构)
贷款初审与 DTI 核保“我们严格核实 28% 前端与 36% 后端 DTI 上限，确保借款人的贷款符合房利美和房地美的收购标准。”
Priya (贷款服务商)
MSR 服务权与代收代付“我们每月代收房产税和保险存入代管账户，并在 LTV 降至 78% 的法定时刻自动取消 PMI 保险。”
Elena (MBS 交易台)
负凸性与 OAS 定价“当借款人大量提前还款时，MBS 债券久期在利率最低点发生缩短。我们通过 OAS 精确量化并对冲这部分凸性风险。”