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用途：对比同样一笔钱，是买房划算还是租房划算。
原理：比较“买房后卖房的收益”，和“租房开销加上现金利息”，在不同参数之下，哪种选择更划算。
使用说明：只有绿色部分可以编辑，其它部分是计算出来的。房贷使用了简单的等本等息，贷款明细只考虑了最多30年，房产税印花税因为影响较小，只取了当前设置。推荐复制一份，在自己的文档里编辑。
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参数设置
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房价$2,000,000.00其它费用$0.00贷款年利率1.60%物业费（月）$0.00房租增长率（年）5.00%现金利息（年）3.00%卖房中介费1.00%
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额外印花税
（ABSD）		5.00%首付比例50.00%贷款期限(年)30房产税年值$70,000.00房价增长率（年）2.50%月租金4000
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数据小览
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印花税总计$169,600.00贷款总额$1,000,000.00总期数360还款总额$1,259,780.55房产税（月）$423.33
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首付总额
(+印花税+律师		$1,169,600.00贷款月利率0.13%每月还款金$3,499.39利息总额$259,780.55
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固定参数
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印花税表房产税税率表（to 31 Dec 2024
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房价印花税(BSD)速记房产年值累进税率速记
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$180,000.001.00%$1,800.00$8,000.000.00%$0.00
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$360,000.002.00%$5,400.00$30,000.004.00%$880.00
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$1,000,000.003.00%$24,600.00$40,000.006.00%$1,480.00
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$1,500,000.004.00%$44,600.00$55,000.0010.00%$2,980.00
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$3,000,000.005.00%$119,600.00$70,000.0014.00%$5,080.00
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6.00%$85,000.0020.00%$8,080.00
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$100,000.0026.00%$11,980.00
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32.00%
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数据详情
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年份期数剩余本金月供支付利息偿还本金剩余本金买房总支出房屋价值预估买房售出预估不买房月租金不买房总现金
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11$1,000,000.00$3,499.39$1,333.33$2,166.06$997,833.94$1,173,522.72$2,004,166.67$986,291.06$4,000.00$1,172,446.53
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2$997,833.94$3,499.39$1,330.45$2,168.95$995,665.00$1,247,022.11$2,008,342.01$992,593.60$4,016.67$1,175,300.18
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3$995,665.00$3,499.39$1,327.55$2,171.84$993,493.16$1,320,521.50$2,012,526.06$998,907.64$4,033.40$1,178,144.25
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4$993,493.16$3,499.39$1,324.66$2,174.73$991,318.43$1,394,020.90$2,016,718.82$1,005,233.21$4,050.21$1,180,978.66
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5$991,318.43$3,499.39$1,321.76$2,177.63$989,140.80$1,467,520.29$2,020,920.32$1,011,570.32$4,067.08$1,183,803.30
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6$989,140.80$3,499.39$1,318.85$2,180.54$986,960.26$1,541,019.68$2,025,130.57$1,017,919.01$4,084.03$1,186,618.08
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7$986,960.26$3,499.39$1,315.95$2,183.44$984,776.82$1,614,519.07$2,029,349.59$1,024,279.28$4,101.05$1,189,422.92
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8$984,776.82$3,499.39$1,313.04$2,186.35$982,590.46$1,688,018.46$2,033,577.40$1,030,651.17$4,118.14$1,192,217.71
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9$982,590.46$3,499.39$1,310.12$2,189.27$980,401.19$1,761,517.85$2,037,814.02$1,037,034.69$4,135.29$1,195,002.35
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10$980,401.19$3,499.39$1,307.20$2,192.19$978,209.00$1,835,017.24$2,042,059.47$1,043,429.87$4,152.52$1,197,776.76
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11$978,209.00$3,499.39$1,304.28$2,195.11$976,013.89$1,908,516.63$2,046,313.76$1,049,836.73$4,169.83$1,200,540.82
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12$976,013.89$3,499.39$1,301.35$2,198.04$973,815.85$1,982,016.02$2,050,576.91$1,056,255.29$4,187.20$1,203,294.45
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213$973,815.85$3,499.39$1,298.42$2,200.97$971,614.88$2,055,515.41$2,054,848.95$1,062,685.58$4,204.65$1,206,037.55
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14$971,614.88$3,499.39$1,295.49$2,203.90$969,410.98$2,129,014.80$2,059,129.88$1,069,127.61$4,222.17$1,208,770.02
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15$969,410.98$3,499.39$1,292.55$2,206.84$967,204.14$2,202,514.19$2,063,419.74$1,075,581.40$4,239.76$1,211,491.75
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16$967,204.14$3,499.39$1,289.61$2,209.78$964,994.35$2,276,013.58$2,067,718.53$1,082,046.99$4,257.42$1,214,202.65
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17$964,994.35$3,499.39$1,286.66$2,212.73$962,781.62$2,349,512.97$2,072,026.28$1,088,524.39$4,275.16$1,216,902.62
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18$962,781.62$3,499.39$1,283.71$2,215.68$960,565.94$2,423,012.36$2,076,343.00$1,095,013.63$4,292.98$1,219,591.56
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19$960,565.94$3,499.39$1,280.75$2,218.64$958,347.30$2,496,511.75$2,080,668.71$1,101,514.72$4,310.86$1,222,269.35
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20$958,347.30$3,499.39$1,277.80$2,221.59$956,125.71$2,570,011.14$2,085,003.44$1,108,027.70$4,328.83$1,224,935.92
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21$956,125.71$3,499.39$1,274.83$2,224.56$953,901.15$2,643,510.53$2,089,347.20$1,114,552.57$4,346.86$1,227,591.14
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22$953,901.15$3,499.39$1,271.87$2,227.52$951,673.63$2,717,009.92$2,093,700.00$1,121,089.37$4,364.98$1,230,234.92
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23$951,673.63$3,499.39$1,268.90$2,230.49$949,443.14$2,790,509.31$2,098,061.88$1,127,638.12$4,383.16$1,232,867.15
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24$949,443.14$3,499.39$1,265.92$2,233.47$947,209.67$2,864,008.70$2,102,432.84$1,134,198.84$4,401.43$1,235,487.72
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325$947,209.67$3,499.39$1,262.95$2,236.44$944,973.23$2,937,508.09$2,106,812.91$1,140,771.55$4,419.77$1,238,096.54
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26$944,973.23$3,499.39$1,259.96$2,239.43$942,733.80$3,011,007.48$2,111,202.10$1,147,356.28$4,438.18$1,240,693.50
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27$942,733.80$3,499.39$1,256.98$2,242.41$940,491.39$3,084,506.87$2,115,600.44$1,153,953.05$4,456.67$1,243,278.49
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28$940,491.39$3,499.39$1,253.99$2,245.40$938,245.99$3,158,006.27$2,120,007.94$1,160,561.87$4,475.24$1,245,851.40
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29$938,245.99$3,499.39$1,250.99$2,248.40$935,997.59$3,231,505.66$2,124,424.62$1,167,182.79$4,493.89$1,248,412.13
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30$935,997.59$3,499.39$1,248.00$2,251.39$933,746.20$3,305,005.05$2,128,850.51$1,173,815.80$4,512.61$1,250,960.56
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31$933,746.20$3,499.39$1,244.99$2,254.40$931,491.80$3,378,504.44$2,133,285.61$1,180,460.95$4,531.42$1,253,496.60
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32$931,491.80$3,499.39$1,241.99$2,257.40$929,234.40$3,452,003.83$2,137,729.96$1,187,118.26$4,550.30$1,256,020.13
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33$929,234.40$3,499.39$1,238.98$2,260.41$926,973.99$3,525,503.22$2,142,183.56$1,193,787.74$4,569.26$1,258,531.03
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34$926,973.99$3,499.39$1,235.97$2,263.43$924,710.57$3,599,002.61$2,146,646.45$1,200,469.42$4,588.30$1,261,029.21
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35$924,710.57$3,499.39$1,232.95$2,266.44$922,444.12$3,672,502.00$2,151,118.63$1,207,163.32$4,607.41$1,263,514.55
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36$922,444.12$3,499.39$1,229.93$2,269.46$920,174.66$3,746,001.39$2,155,600.12$1,213,869.46$4,626.61$1,265,986.93
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437$920,174.66$3,499.39$1,226.90$2,272.49$917,902.17$3,819,500.78$2,160,090.96$1,220,587.88$4,645.89$1,268,446.25
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38$917,902.17$3,499.39$1,223.87$2,275.52$915,626.65$3,893,000.17$2,164,591.15$1,227,318.59$4,665.25$1,270,892.40
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39$915,626.65$3,499.39$1,220.84$2,278.55$913,348.09$3,966,499.56$2,169,100.71$1,234,061.61$4,684.69$1,273,325.25
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40$913,348.09$3,499.39$1,217.80$2,281.59$911,066.50$4,039,998.95$2,173,619.67$1,240,816.98$4,704.20$1,275,744.69
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41$911,066.50$3,499.39$1,214.76$2,284.64$908,781.86$4,113,498.34$2,178,148.04$1,247,584.70$4,723.81$1,278,150.62
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42$908,781.86$3,499.39$1,211.71$2,287.68$906,494.18$4,186,997.73$2,182,685.85$1,254,364.81$4,743.49$1,280,542.91
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43$906,494.18$3,499.39$1,208.66$2,290.73$904,203.45$4,260,497.12$2,187,233.12$1,261,157.33$4,763.25$1,282,921.45
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44$904,203.45$3,499.39$1,205.60$2,293.79$901,909.66$4,333,996.51$2,191,789.85$1,267,962.29$4,783.10$1,285,286.13
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45$901,909.66$3,499.39$1,202.55$2,296.84$899,612.82$4,407,495.90$2,196,356.08$1,274,779.70$4,803.03$1,287,636.82
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46$899,612.82$3,499.39$1,199.48$2,299.91$897,312.91$4,480,995.29$2,200,931.82$1,281,609.59$4,823.04$1,289,973.40
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47$897,312.91$3,499.39$1,196.42$2,302.97$895,009.94$4,554,494.68$2,205,517.10$1,288,451.98$4,843.14$1,292,295.77
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48$895,009.94$3,499.39$1,193.35$2,306.04$892,703.90$4,627,994.07$2,210,111.92$1,295,306.91$4,863.32$1,294,603.79
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549$892,703.90$3,499.39$1,190.27$2,309.12$890,394.78$4,701,493.46$2,214,716.32$1,302,174.38$4,883.58$1,296,897.36
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50$890,394.78$3,499.39$1,187.19$2,312.20$888,082.58$4,774,992.85$2,219,330.32$1,309,054.43$4,903.93$1,299,176.34
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51$888,082.58$3,499.39$1,184.11$2,315.28$885,767.30$4,848,492.24$2,223,953.92$1,315,947.08$4,924.36$1,301,440.62
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52$885,767.30$3,499.39$1,181.02$2,318.37$883,448.93$4,921,991.64$2,228,587.16$1,322,852.35$4,944.88$1,303,690.08
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53$883,448.93$3,499.39$1,177.93$2,321.46$881,127.47$4,995,491.03$2,233,230.05$1,329,770.27$4,965.48$1,305,924.59
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54$881,127.47$3,499.39$1,174.84$2,324.55$878,802.92$5,068,990.42$2,237,882.61$1,336,700.86$4,986.17$1,308,144.04
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55$878,802.92$3,499.39$1,171.74$2,327.65$876,475.27$5,142,489.81$2,242,544.87$1,343,644.15$5,006.95$1,310,348.29
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56$876,475.27$3,499.39$1,168.63$2,330.76$874,144.51$5,215,989.20$2,247,216.83$1,350,600.16$5,027.81$1,312,537.22
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57$874,144.51$3,499.39$1,165.53$2,333.86$871,810.65$5,289,488.59$2,251,898.54$1,357,568.90$5,048.76$1,314,710.71
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58$871,810.65$3,499.39$1,162.41$2,336.98$869,473.67$5,362,987.98$2,256,589.99$1,364,550.42$5,069.80$1,316,868.64
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59$869,473.67$3,499.39$1,159.30$2,340.09$867,133.58$5,436,487.37$2,261,291.22$1,371,544.73$5,090.92$1,319,010.87
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60$867,133.58$3,499.39$1,156.18$2,343.21$864,790.37$5,509,986.76$2,266,002.24$1,378,551.86$5,112.13$1,321,137.28
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661$864,790.37$3,499.39$1,153.05$2,346.34$862,444.03$5,583,486.15$2,270,723.08$1,385,571.82$5,133.43$1,323,247.73
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62$862,444.03$3,499.39$1,149.93$2,349.47$860,094.56$5,656,985.54$2,275,453.75$1,392,604.65$5,154.82$1,325,342.12
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63$860,094.56$3,499.39$1,146.79$2,352.60$857,741.97$5,730,484.93$2,280,194.28$1,399,650.37$5,176.30$1,327,420.29
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64$857,741.97$3,499.39$1,143.66$2,355.73$855,386.23$5,803,984.32$2,284,944.69$1,406,709.01$5,197.87$1,329,482.13
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65$855,386.23$3,499.39$1,140.51$2,358.88$853,027.36$5,877,483.71$2,289,704.99$1,413,780.58$5,219.53$1,331,527.50
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66$853,027.36$3,499.39$1,137.37$2,362.02$850,665.34$5,950,983.10$2,294,475.21$1,420,865.12$5,241.28$1,333,556.27
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67$850,665.34$3,499.39$1,134.22$2,365.17$848,300.17$6,024,482.49$2,299,255.37$1,427,962.65$5,263.11$1,335,568.31
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68$848,300.17$3,499.39$1,131.07$2,368.32$845,931.84$6,097,981.88$2,304,045.48$1,435,073.18$5,285.04$1,337,563.49
97
69$845,931.84$3,499.39$1,127.91$2,371.48$843,560.36$6,171,481.27$2,308,845.58$1,442,196.76$5,307.07$1,339,541.67
98
70$843,560.36$3,499.39$1,124.75$2,374.64$841,185.72$6,244,980.66$2,313,655.67$1,449,333.40$5,329.18$1,341,502.73
99
71$841,185.72$3,499.39$1,121.58$2,377.81$838,807.91$6,318,480.05$2,318,475.79$1,456,483.12$5,351.38$1,343,446.51
100
72$838,807.91$3,499.39$1,118.41$2,380.98$836,426.93$6,391,979.44$2,323,305.94$1,463,645.96$5,373.68$1,345,372.90