住宅ローン計算

"Is it okay to borrow with a variable interest rate?" The ultimate mortgage calculator to alleviate such anxieties.
Have you ever wondered, while considering or repaying a mortgage, "What will happen if interest rates rise in the future?" This app is more than just a repayment calculator. It was developed to concretely "visualize" the risk of future interest rate increases, taking into account Japan's unique "5-year rule" and "125% rule."

【What this app can do】
1. Interest Rate Increase Simulation (Unique Strength)
"What if interest rates rise by 1% in 5 years?" "What if they rise to 2% in 10 years?" You can freely set future fluctuation scenarios. It supports calculations applying the complex "5-year rule" and "125% rule," and thoroughly analyzes even the risk of unpaid interest.

2. Simultaneous Comparison of Up to 5 Plans
"Variable interest rates from online banks vs. fixed interest rates from major banks," "Bank A vs. Bank B." Compare up to 5 borrowing plans side-by-side. The difference in total payment and interest is immediately apparent. With a save function, you can review your results anytime.

3. Instant Assessment of Refinancing Benefits
"Is refinancing my current loan more advantageous?" Simply enter your current loan balance and new plan to calculate the "actual savings" including all fees. This helps you decide whether or not to refinance.

4. Repayment Management (My Mortgage)
Register your current loan information. By recording interest rate change history and early repayments, you can always check your current accurate balance and future repayment schedule.

[Main Features]
New Loan Calculation: Supports monthly repayment amount, total payment amount, fees, and bonus payments.

Plan Comparison: Up to 5 options. Save, edit, and sort freely.

Refinancing Calculation: Calculates the actual benefits including all fees.

Interest Rate Increase Simulation: Supports gradual interest rate increases, 5-year rule/125% rule.

My Mortgage: Manage payment history, interest rate changes, and early repayments (term reduction type).

Advertising: Only minimal banner ads are displayed; all features are available for free. [Recommended for those who:] are undecided between variable and fixed interest rates; are worried about future interest rate increases and want to understand the risks in numbers; are comparing mortgage options from multiple banks; want to decide whether to refinance their current loan; want to accurately understand the remaining term and balance of their loan; face rising interest rates and make smart mortgage choices and management. Download now and gain peace of mind for the future.