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住宅積立金ローン計算機（2026年最新金利）

2026年最新金利（初回5年以上2.6%、2回目5年以上3.075%）を自動適用する住宅積立金ローン計算機。元利均等/元金均等、返済計画表と CSV 出力に対応。

使い方

借入金額と年数を入力し、金利タイプ（初回/2回目/カスタム）と返済方法を選択。金利は年数に応じて自動適用。比較モードと Excel へのコピーも可能。

Overview

Housing Fund Loan Calculator (2026 Rates) is a Finance tool. Housing provident fund loan calculator with 2026 rates (first home 2.6%, second home 3.075% for 5+ years), equal-payment/equal-principal comparison and full amortization CSV export. It runs 100% in your browser with no upload, so you get instant results with privacy. Whether you need a quick answer or batch processing with precise control, you can enter, validate and export in seconds. The UI is responsive on mobile, tablet and desktop and supports one-click copy.

Use cases

  • Daily use of Housing Fund Loan Calculator (2026 Rates): Enter loan amount and term, pick a rate type and repayment method. Rates auto-match 2026 rules (under/over 5 years). Compare both methods, or copy the full amortization CSV to Excel. — enter and get instant results without manual lookup.
  • One-click copy keeps results ready to save, check or share with family and pros.
  • Use Housing Fund Loan Calculator (2026 Rates) offline or on poor network — all calculations stay local and private.
  • Model cash flow and payback
  • Compare mortgage amortization

How to use

  1. 1 Enter loan amount and term, pick a rate type and repayment method. Rates auto-match 2026 rules (under/over 5 years). Compare both methods, or copy the full amortization CSV to Excel..
  2. 2 Toggle repayment methods to compare interest
  3. 3 Review schedule and charts
  4. 4 Copy or export details

Highlights

  • Local & private: processing stays in your browser
  • Live validation with tolerant parsing
  • One-click copy and export for docs, code or sheets
  • Batch and offline support under poor network

Notes

  • Check prepayment penalties
  • Excludes fees/insurance
  • Nominal vs effective rate may differ

FAQ

Equal payment vs equal principal?
Equal payment is steady; equal principal saves total interest but starts higher.
Why a few dollars off from bank?
Day-count and rounding differences within 0.1%.
How is Housing Fund Loan Calculator (2026 Rates) different?
It runs locally with a focus on speed and privacy, plus tolerant parsing for “Housing Fund Loan Calculator (2026 Rates)” and one-click copy for reuse.
Can I use results in official reports?
Use it as a working draft and cross-check with authoritative sources; keep the exported log and parameters for traceability.
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すべての計算はブラウザ内で実行され、データはアップロードされません。