# 房贷还款助手

> 房贷还款助手 (iPhone/iPad app by 途 吕.)

- Source: https://appshunter.io/ios/app/id6758947677 (this page in markdown: same URL + `.md`)
- Developer: [途 吕](https://appshunter.io/developer/1875759416)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 17.4 · 2 MB
- Languages: American English
- Released: 2026-02-11
- Data updated: 2026-10-07

## What is 房贷还款助手?

【房贷压力大？让你的资产为你打工！】

你是否每个月都在为沉重的房贷月供感到焦虑？
你是否希望有一款工具，能清晰地告诉你：你的投资收益什么时候能彻底覆盖掉你的月供？

「房贷还款助手」专为房奴中的投资者设计。它不只是一个房贷计算器，更是一个帮你实现“息抵房贷”的战略规划工具。它能实时展示你的年度分红对房贷的覆盖率，让每一笔被动收入都变得清晰可见。


核心功能：

双重贷款模型： 同时支持商业贷款与公积金贷款，涵盖等额本息与等额本金两种还款方式，精准计算每一分的本金与利息。

资产分红追踪： 记录你的股票、基金等资产持仓，预设预期股息率。只需一次录入，即可自动估算年度被动收入。

实时覆盖率分析： 独创“分红覆盖率”算法。通过顶部的红色护盾进度条，直观展示今年分红已覆盖了多少比例的房贷支出。

实到流水复盘： 详细记录每一笔实际到账的分红，对比“预期收益”与“实际收益”，掌握到账进度。

未来预测曲线： 一键预览未来30年的还款压力趋势，看清随着本金减少，你的财务防线如何一步步变得坚固。


为什么选择我们？

极简纯净： 专为 iOS 设计，无广告、无开屏、极速启动。


立即下载「房贷还款助手」，开启你的资产保卫战！

## Is 房贷还款助手 safe?

Not enough ratings yet to assess 房贷还款助手.

## Is 房贷还款助手 legit?

房贷还款助手 has limited verification signals. The AppsHunter Legitimacy Score for 房贷还款助手 is 48 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-02-11

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-07.*