{"{0} a month":"每月{0}","{0} lost to vacancy":"空置損失{0}","{0} to {1}":"{0}至{1}","{0}% of the rent":"租金的{0}%","25% of take-home pay":"實領薪資的25%","30% of gross income":"稅前總收入的30%","36% of gross, less debts":"稅前總收入扣除債務後的36%","a month, from the strictest rule to the loosest":"每月，從最嚴格的規則到最寬鬆的規則","a year, before mortgage payments":"每年，扣除房貸付款前","a year; {0} a month":"每年；每月{0}","Buying costs (fees and taxes)":"購買成本（費用與稅金）","Cap rate":"資本化率","Cap rate calculator":"資本化率計算機","Cash flow":"現金流","Cash flow over 10 years":"10年現金流","Cash flow, year 1":"現金流，第1年","Cash invested":"投入現金","Cash on cash":"現金報酬","Cash-on-cash return calculator":"現金報酬率計算機","Cash-on-cash return is a year's cash flow before tax ÷ the cash you put in: the down payment plus closing and repair costs. Cash flow is the rent you collect less operating costs and mortgage payments. It ignores the loan being paid down and any change in the property's value, which add to your total return, and income tax, which reduces it.":"現金報酬率是年度稅前現金流÷投入的現金：也就是頭期款加上交割與修繕成本。現金流是收取的租金扣除營運成本與房貸付款。這項計算不包含貸款本金償還及房產價值變動所增加的總報酬，也不包含會降低報酬的所得稅。","Cash-on-cash return, year 1":"現金報酬率，第1年","Check the values: a price above zero, a down payment from 0 to 100%, a rate from 0 to 30%, a term from 1 to 50 years, and growth rates between −50% and 50%.":"請檢查數值：價格須大於0，頭期款須介於0%至100%，利率須介於0%至30%，期限須介於1年至50年，成長率須介於−50%至50%。","Closing costs and repairs at purchase":"購買時的交割成本與修繕費","Comfortable rent":"舒適租金","Cost":"成本","Cost growth per year (%)":"每年成本成長率（%）","Costs per year":"每年成本","Debt payments per month (car, card, student loan)":"每月債務付款（汽車貸款、信用卡、學貸）","Down payment (%)":"頭期款（%）","Enter a price above zero, a rent and costs of zero or more, and a vacancy rate below 100%.":"請輸入大於0的價格、0以上的租金與成本，以及低於100%的空置率。","Enter a price above zero, and a rent, buying costs, and running costs of zero or more.":"請輸入大於0的價格，以及0以上的租金、購買成本與營運成本。","Enter a yearly income above zero, and take-home pay and debts of zero or more.":"請輸入大於0的年收入，以及0以上的實領薪資與債務。","Gross income per year, before tax":"每年稅前總收入","Gross yield":"毛收益率","Gross yield is a year's rent ÷ the price, the figure most listings quote. Net yield takes off vacancy and every running cost, and divides by what the property really cost you, price plus buying fees and taxes. Mortgage interest is left out, so the yield compares properties regardless of how they are financed; for the return on your own cash with a mortgage, use the cash-on-cash calculator.":"毛收益率是年度租金÷價格，也是多數房產廣告列出的數值。淨收益率會扣除空置與所有營運成本，再除以房產的實際成本，也就是價格加上購買費用與稅金。計算中不包含房貸利息，因此無論融資方式為何，都能用收益率比較房產；如要計算使用房貸時自有現金的報酬，請使用現金報酬率計算機。","Insurance per year":"每年保險費","Letting or management fee (% of rent)":"出租或管理費（租金的%）","loan {0}":"貸款{0}","Maintenance and repairs per year":"每年維護與修繕費","Management fee":"管理費","Mortgage":"房貸","Mortgage interest rate (%)":"房貸利率（%）","Mortgage payments":"房貸付款","Mortgage term (years)":"房貸期限（年）","Net income per year":"每年淨收入","Net operating income":"淨營運收入","Net yield":"淨收益率","on the price plus buying costs":"以價格加上購買成本計算","Operating costs per year":"每年營運成本","Operating costs per year (tax, insurance, upkeep, management)":"每年營運成本（稅金、保險、維護、管理）","Other costs per year":"每年其他成本","Per year":"每年","Price for this income":"此收入對應的價格","Property price or value":"房產價格或價值","Property tax per year":"每年房屋稅","Purchase price":"購買價格","Rent":"租金","rent ÷ price":"租金÷價格","Rent affordability calculator":"租金負擔能力計算機","Rent after vacancy":"扣除空置後的租金","rent and debt payments together":"租金與債務付款合計","Rent growth per year (%)":"每年租金成長率（%）","Rent per month":"每月租金","Rental yield calculator":"租金收益率計算機","Service charge, ground rent, or HOA per year":"每年服務費、地租或HOA費用","Take-home pay per month (optional)":"每月實領薪資（選填）","The best-known guide is to spend no more than 30% of your gross income on rent; many landlords ask for a yearly income of 40 times the monthly rent, which is the same limit. Counting debts, lenders like housing and debt payments together to stay within about 36% of gross income. Basing the rent on 25% of take-home pay leaves the most room for saving. Rent here means rent alone; add utilities if your rent does not include them.":"最廣為人知的準則是，租金支出不超過稅前總收入的30%；許多房東要求年收入至少為月租金的40倍，這也是相同的上限。將債務納入計算時，貸款機構通常希望住房與債務付款合計維持在稅前總收入約36%以內。以實領薪資的25%作為租金上限，最能保留儲蓄空間。這裡的租金僅指租金本身；如果租金不包含水電等公用事業費，請另外加上。","The cap rate is net operating income ÷ price: the yearly return if you bought the property with cash. Net operating income is the rent you actually collect less running costs such as property tax, insurance, repairs, and management, but not mortgage payments, so properties can be compared however they are financed. The table shows what the same income is worth at other cap rates.":"資本化率是淨營運收入÷價格，也就是以現金購買房產時的年報酬率。淨營運收入是實際收取的租金扣除房屋稅、保險、修繕與管理等營運成本，但不扣除房貸付款，因此無論融資方式為何，都能比較房產。表格會顯示相同收入在其他資本化率下的價值。","the cautious rule":"保守規則","the same as the 40× rent rule: {0}":"與40×租金規則相同：{0}","Vacancy":"空置","Vacancy (%)":"空置（%）","Vacancy and unpaid rent (%)":"空置與未收租金（%）","With no down payment and no closing costs, no cash is invested, so there is no cash-on-cash return to work out.":"沒有頭期款與交割成本，就沒有投入現金，因此無法計算現金報酬率。","Year":"年"}