{"id":1863,"date":"2026-03-01T02:35:24","date_gmt":"2026-03-01T02:35:24","guid":{"rendered":"https:\/\/kengdo.com\/?page_id=1863"},"modified":"2026-03-01T03:23:39","modified_gmt":"2026-03-01T03:23:39","slug":"%e8%ae%a1%e7%ae%97%e5%99%a82","status":"publish","type":"page","link":"https:\/\/kengdo.com\/?page_id=1863","title":{"rendered":"\u7f5a\u606f\u8ba1\u7b97\u5668"},"content":{"rendered":"\n<div style=\"max-width:800px;margin:auto;padding:20px;background:#f4f8fc;border-radius:10px;font-family:Arial;\">\n\n<h2 style=\"text-align:center;\">\u4e13\u4e1a\u7248\u63d0\u524d\u8fd8\u6b3e\u7f5a\u606f\u8ba1\u7b97\u5668<\/h2>\n\n<!-- \u8d37\u6b3e\u7c7b\u578b -->\n<label>\u8d37\u6b3e\u7c7b\u578b<\/label><br>\n<select id=\"mortgageType\">\n  <option value=\"fixed\">\u56fa\u5b9a\u5229\u7387<\/option>\n  <option value=\"variable\">\u6d6e\u52a8\u5229\u7387<\/option>\n<\/select><br><br>\n\n<!-- \u5f53\u524d\u8d37\u6b3e\u4f59\u989d -->\n<label>\u5f53\u524d\u8d37\u6b3e\u4f59\u989d ($)<\/label><br>\n<input type=\"number\" id=\"balance\" value=\"500000\"><br><br>\n\n<!-- \u5408\u540c\u5229\u7387 -->\n<label>\u5408\u540c\u5229\u7387 (%)<\/label><br>\n<input type=\"number\" id=\"contractRate\" value=\"5.29\" step=\"0.01\"><br><br>\n\n<!-- \u539f\u59cbPosted\u5229\u7387 -->\n<label>\u653e\u6b3e\u65f6\u94f6\u884c Posted Rate (%)<\/label><br>\n<input type=\"number\" id=\"originalPosted\" value=\"6.79\" step=\"0.01\"><br><br>\n\n<!-- \u5269\u4f59\u671f\u9650 -->\n<label>\u5269\u4f59Term\uff08\u6708\uff09<\/label><br>\n<input type=\"number\" id=\"remainingMonths\" value=\"24\"><br><br>\n\n<!-- \u5f53\u524d\u5339\u914d\u671f\u9650Posted\u5229\u7387 -->\n<label>\u5f53\u524d\u5339\u914d\u5269\u4f59\u671f\u9650 Posted Rate (%)<\/label><br>\n<input type=\"number\" id=\"currentPosted\" value=\"6.10\" step=\"0.01\"><br><br>\n\n<!-- \u65b0\u8d37\u6b3e\u5229\u7387 -->\n<label>\u65b0\u8f6c\u8d37\u5229\u7387 (%)<\/label><br>\n<input type=\"number\" id=\"newRate\" value=\"4.49\" step=\"0.01\"><br><br>\n\n<!-- \u5269\u4f59\u644a\u8fd8\u5e74\u9650 -->\n<label>\u5269\u4f59\u644a\u8fd8\u5e74\u9650\uff08\u5e74\uff09<\/label><br>\n<input type=\"number\" id=\"amortYears\" value=\"25\"><br><br>\n\n<!-- \u6bcf\u5e74\u53ef\u514d\u7f5a\u6bd4\u4f8b -->\n<label>\u5269\u4f59\u53ef\u514d\u7f5a\u6bd4\u4f8b (%)<\/label><br>\n<input type=\"number\" id=\"lumpSum\" value=\"0\"><br><br>\n\n<button onclick=\"calculatePenalty()\" style=\"padding:10px 20px;background:#1a73e8;color:white;border:none;border-radius:5px;\">\n\u5f00\u59cb\u8ba1\u7b97\n<\/button>\n\n<div id=\"results\" style=\"margin-top:25px;padding:15px;background:white;border-radius:8px;display:none;\"><\/div>\n\n<\/div>\n\n<script>\nfunction calculatePenalty(){\n\n\/* ========= 1\ufe0f\u20e3 \u83b7\u53d6\u8f93\u5165\u6570\u636e ========= *\/\n\nlet type = document.getElementById(\"mortgageType\").value;\nlet balance = parseFloat(document.getElementById(\"balance\").value) || 0;\nlet contractRate = (parseFloat(document.getElementById(\"contractRate\").value) || 0)\/100;\nlet originalPosted = (parseFloat(document.getElementById(\"originalPosted\").value) || 0)\/100;\nlet remainingMonths = parseFloat(document.getElementById(\"remainingMonths\").value) || 0;\nlet currentPosted = (parseFloat(document.getElementById(\"currentPosted\").value) || 0)\/100;\nlet newRate = (parseFloat(document.getElementById(\"newRate\").value) || 0)\/100;\nlet amortYears = parseFloat(document.getElementById(\"amortYears\").value) || 25;\nlet lumpSumPercent = (parseFloat(document.getElementById(\"lumpSum\").value) || 0)\/100;\n\n\/* ========= 2\ufe0f\u20e3 \u8ba1\u7b97\u53ef\u8ba1\u7f5a\u4f59\u989d ========= *\/\n\/* \u5982\u679c\u94f6\u884c\u5141\u8bb8\u6bcf\u5e74\u63d0\u524d\u8fd810%-20%\u514d\u7f5a\uff0c\u5219\u4ece\u4f59\u989d\u4e2d\u6263\u9664 *\/\n\nlet eligibleBalance = balance * (1 - lumpSumPercent);\n\n\/* ========= 3\ufe0f\u20e3 \u8ba1\u7b973\u4e2a\u6708\u5229\u606f ========= *\/\n\/* \u6d6e\u52a8\u5229\u7387\u901a\u5e38\u53ea\u65363\u4e2a\u6708\u5229\u606f *\/\n\nlet threeMonthInterest = eligibleBalance * contractRate \/ 12 * 3;\n\n\/* ========= 4\ufe0f\u20e3 \u56fa\u5b9a\u5229\u7387 IRD \u8ba1\u7b97 ========= *\/\n\nlet penalty = 0;\nlet ird = 0;\n\nif(type === \"variable\"){\n\n    \/* \u6d6e\u52a8\u5229\u7387\u7f5a\u606f = 3\u4e2a\u6708\u5229\u606f *\/\n    penalty = threeMonthInterest;\n\n}else{\n\n    \/* Step 1\uff1a\u8ba1\u7b97\u5f53\u521d\u6298\u6263 *\/\n    \/* \u6298\u6263 = \u539fPosted - \u5408\u540c\u5229\u7387 *\/\n    let discount = originalPosted - contractRate;\n\n    \/* Step 2\uff1a\u5f53\u524d\u5339\u914d\u671f\u9650\u5229\u7387\u51cf\u53bb\u539f\u6298\u6263 *\/\n    let adjustedRate = currentPosted - discount;\n\n    \/* Step 3\uff1a\u5229\u5dee *\/\n    let rateDiff = contractRate - adjustedRate;\n\n    \/* \u5982\u679c\u5229\u5dee\u4e3a\u8d1f\uff0c\u5219\u94f6\u884c\u4e0d\u4f1a\u7528IRD *\/\n    if(rateDiff > 0){\n\n        \/* IRD = \u4f59\u989d \u00d7 \u5229\u5dee \u00d7 \u5269\u4f59\u5e74\u6570 *\/\n        let remainingYears = remainingMonths \/ 12;\n        ird = eligibleBalance * rateDiff * remainingYears;\n\n    }else{\n        ird = 0;\n    }\n\n    \/* \u94f6\u884c\u53d6\u8f83\u9ad8\u8005 *\/\n    penalty = Math.max(threeMonthInterest, ird);\n}\n\n\/* ========= 5\ufe0f\u20e3 \u6b63\u786e\u6708\u4f9b\u8ba1\u7b97 ========= *\/\n\/* \u52a0\u62ff\u5927\u6807\u51c6\u644a\u8fd8\u516c\u5f0f *\/\n\nlet amortMonths = amortYears * 12;\nlet rOld = contractRate \/ 12;\nlet rNew = newRate \/ 12;\n\nfunction calcPayment(P, r, n){\n    if(r === 0) return P\/n;\n    return P * r * Math.pow(1+r,n) \/ (Math.pow(1+r,n)-1);\n}\n\nlet oldPayment = calcPayment(eligibleBalance, rOld, amortMonths);\nlet newPayment = calcPayment(eligibleBalance, rNew, amortMonths);\n\n\/* \u6bcf\u6708\u8282\u7701\u91d1\u989d *\/\nlet monthlySavings = oldPayment - newPayment;\n\n\/* \u56de\u672c\u65f6\u95f4 *\/\nlet breakeven = monthlySavings > 0 ? penalty \/ monthlySavings : 0;\n\n\/* ========= 6\ufe0f\u20e3 \u8f93\u51fa\u7ed3\u679c ========= *\/\n\ndocument.getElementById(\"results\").style.display = \"block\";\ndocument.getElementById(\"results\").innerHTML = `\n<h3>\u8ba1\u7b97\u7ed3\u679c<\/h3>\n<p><strong>\u53ef\u8ba1\u7f5a\u4f59\u989d\uff1a<\/strong> $${eligibleBalance.toFixed(2)}<\/p>\n<p><strong>3\u4e2a\u6708\u5229\u606f\uff1a<\/strong> $${threeMonthInterest.toFixed(2)}<\/p>\n<p><strong>IRD\u7f5a\u606f\uff1a<\/strong> $${ird.toFixed(2)}<\/p>\n<p style=\"font-size:18px;color:#d32f2f;\"><strong>\u5b9e\u9645\u7f5a\u606f\u91d1\u989d\uff1a<\/strong> $${penalty.toFixed(2)}<\/p>\n<hr>\n<p><strong>\u539f\u6708\u4f9b\uff1a<\/strong> $${oldPayment.toFixed(2)}<\/p>\n<p><strong>\u65b0\u6708\u4f9b\uff1a<\/strong> $${newPayment.toFixed(2)}<\/p>\n<p><strong>\u6bcf\u6708\u53ef\u8282\u7701\uff1a<\/strong> $${monthlySavings.toFixed(2)}<\/p>\n<p><strong>\u56de\u672c\u65f6\u95f4\uff1a<\/strong> ${breakeven.toFixed(1)} \u4e2a\u6708<\/p>\n`;\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>\u4e13\u4e1a\u7248\u63d0\u524d\u8fd8\u6b3e\u7f5a\u606f\u8ba1\u7b97\u5668 \u8d37\u6b3e\u7c7b\u578b \u56fa\u5b9a\u5229\u7387\u6d6e\u52a8\u5229\u7387 \u5f53\u524d\u8d37\u6b3e\u4f59\u989d ($) \u5408\u540c\u5229\u7387 (%) \u653e\u6b3e\u65f6\u94f6\u884c Po [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1863","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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