租赁对买买计算器
比较租赁总成本与购买房屋总成本,
输入结果时更新 。
关于此计算器
Renting or buying is rarely obvious, and this rent vs buy calculator settles it on cost. Buying carries a down payment, mortgage interest, property tax and upkeep but builds equity as the home appreciates; renting is simpler but the money is gone and the down payment could have been invested instead. The tool tallies the net cost of each path year by year and finds the break-even year — the point at which buying pulls ahead of renting.
For buying it adds mortgage payments, property tax and maintenance, then subtracts the equity you build as the home appreciates; for renting it sums the rent (growing each year) minus what the invested down payment would earn. On a 350,000 home with 20% down at 7% versus 2,000 rent, high early interest and closing-type costs keep renting cheaper at first, and the break-even often lands several years out depending on appreciation and investment return.
Use it to decide whether to buy now or keep renting, and to test how the horizon, appreciation, rent growth and investment return shift the answer. On short stays renting usually wins; the longer you hold and the faster the home appreciates, the sooner buying comes out ahead.
经常问到的问题
如何发现平衡年?
工具跟踪购买(支付、税收和保持减去你所建股本)与租金(累计租金减去首期付款能赚到的投资额)的累计净成本。 收支平衡的年份是购买线首次低于租赁线的时候。
为什么租房能赢好几年?
购买前期大成本 — — 首期付款、关闭和利息重的提前支付 — — 而股本建设缓慢。 直到升值和还款追赶,如果投资首期付款增长良好,租金可以保持更便宜,特别是在短期。
买东西之前我该留多少年?
没有固定号码,但这一工具发现的平衡年是你们投入的答案——多留一段时间,买赢,卖得更快,租得更便宜。 早期的高交易和利息成本往往会把平衡年推向几年。
首期付款投资回报为何重要?
如果租赁,您本来可以使用的现金作为首付,可以投资。 计算者信用额随增长而租赁,因此更高的假设投资回报率可以使租赁看起来更好,并推迟购买的平衡。
包括我买的股权吗?
每年从购买成本中减去你不断增加的家庭股本——升值加上你支付的本金,这是购买线最终跌至租金线以下的主要原因。
生活费和财产税呢?
房贷是房贷的抵押品。 房贷是房贷的年均房价百分比。 这些持续的所有权成本是人们难以理解的房屋为何能比租房更昂贵地长期维持下去的原因。
API - 使用代码中的计算器
将此计算器称为自由 JSON 端点 。 不需要按键 。 将字段值发送到下面作为查询参数或 JSON 。 任何您省略的, 都会使用相同的默认值, 此页面预填的默认值是预填的; 未知参数是 400, 而不是静音零 。 读取 API 全部文件 →
终点
GET https://calculator.free/api/v1/rent-vs-buy/curl
curl "https://calculator.free/api/v1/rent-vs-buy/?price=350000&down=20&rate=7&rent=2000&years=10"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/rent-vs-buy/?" + new URLSearchParams({
"price": "350000",
"down": "20",
"rate": "7",
"rent": "2000",
"years": "10"
}));
const data = await r.json();
console.log(data.results);成果仅是一般指导的估计数,而不是财务、医疗或税务咨询。