How to Use 使用说明

1. 1. Enter the property price or loan amount.
2. 1. 输入房产总价或贷款金额
3. 2. Set the interest rate and loan term.
4. 2. 设置利率和贷款期限
5. 3. Add insurance cost if applicable.
6. 3. 添加保险费用（如适用）
7. 4. Optionally add early repayment plan.
8. 4. 可选添加提前还款计划
9. 5. Click "Calculate Mortgage".
10. 5. 点击「计算房贷」

About Mortgages 关于房贷

• ▸ Principal: The original loan amount borrowed
• ▸ 本金: 最初借入的贷款金额
• ▸ Interest: Cost of borrowing the money
• ▸ 利息: 借款的成本
• ▸ Early Repayment: Additional payments to reduce principal faster
• ▸ 提前还款: 额外支付以减少本金
• ▸ MRTA/MLTA: Mortgage insurance protection
• ▸ MRTA/MLTA: 房贷保险保护

Mortgage Tips 房贷建议

• ▸ Compare rates from multiple lenders
• ▸ 比较多家银行的利率
• ▸ Consider making extra payments to save on interest
• ▸ 考虑额外还款以节省利息
• ▸ Shorter terms mean higher payments but less total interest
• ▸ 期限越短月供越高但总利息越少
• ▸ Consult a financial advisor for personalized advice
• ▸ 咨询财务顾问获取个性化建议