{"{0} a month":"每月{0}","{0} lost to vacancy":"{0}因空置损失","{0} to {1}":"{0}至{1}","{0}% of the rent":"租金的{0}%","25% of take-home pay":"税后收入的25%","30% of gross income":"税前总收入的30%","36% of gross, less debts":"税前总收入的36%，扣除债务后","a month, from the strictest rule to the loosest":"每月，从最严格的规则到最宽松的规则","a year, before mortgage payments":"每年，扣除按揭还款前","a year; {0} a month":"每年；每月{0}","Buying costs (fees and taxes)":"购买成本（费用和税费）","Cap rate":"资本化率","Cap rate calculator":"资本化率计算器","Cash flow":"现金流","Cash flow over 10 years":"10年现金流","Cash flow, year 1":"现金流，第1年","Cash invested":"投入现金","Cash on cash":"现金回报","Cash-on-cash return calculator":"现金回报率计算器","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.":"现金回报率是全年税前现金流÷投入的现金，即首付款加上成交费用和维修成本。现金流是收取的租金减去运营成本和按揭还款。该指标不考虑贷款本金偿还和房产价值变化（它们会增加总回报），也不考虑所得税（它会降低总回报）。","Cash-on-cash return, year 1":"现金回报率，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%.":"请检查数值：价格必须大于0，首付款为0%至100%，利率为0%至30%，期限为1至50年，增长率介于−50%和50%之间。","Closing costs and repairs at purchase":"购买时的成交费用和维修成本","Comfortable rent":"可负担租金","Cost":"成本","Cost growth per year (%)":"每年成本增长率（%）","Costs per year":"每年成本","Debt payments per month (car, card, student loan)":"每月债务还款（汽车贷款、信用卡、学生贷款）","Down payment (%)":"首付款（%）","Enter a price above zero, a rent and costs of zero or more, and a vacancy rate below 100%.":"请输入大于0的价格、不小于0的租金和成本，以及低于100%的空置率。","Enter a price above zero, and a rent, buying costs, and running costs of zero or more.":"请输入大于0的价格，以及不小于0的租金、购买成本和运营成本。","Enter a yearly income above zero, and take-home pay and debts of zero or more.":"请输入大于0的年收入，以及不小于0的税后收入和债务金额。","Gross income per year, before tax":"每年税前总收入","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.":"毛收益率是全年租金÷价格，也是大多数房源列出的指标。净收益率会扣除空置和所有运营成本，再除以房产的实际成本，即价格加购买费用和税费。不计入按揭利息，因此无论融资方式如何，都可以用收益率比较房产；如需计算使用按揭时自有现金的回报，请使用现金回报率计算器。","Insurance per year":"每年保险费","Letting or management fee (% of rent)":"出租或管理费（租金的%）","loan {0}":"贷款{0}","Maintenance and repairs per year":"每年维护和维修费用","Management fee":"管理费","Mortgage":"按揭","Mortgage interest rate (%)":"按揭利率（%）","Mortgage payments":"按揭还款","Mortgage term (years)":"按揭期限（年）","Net income per year":"每年税后收入","Net operating income":"净运营收入","Net yield":"净收益率","on the price plus buying costs":"按价格加购买成本计算","Operating costs per year":"每年运营成本","Operating costs per year (tax, insurance, upkeep, management)":"每年运营成本（税费、保险、维护、管理）","Other costs per year":"每年其他成本","Per year":"每年","Price for this income":"适合该收入的价格","Property price or value":"房产价格或价值","Property tax per year":"每年房产税","Purchase price":"购买价格","Rent":"租金","rent ÷ price":"租金÷价格","Rent affordability calculator":"租金负担能力计算器","Rent after vacancy":"扣除空置后的租金","rent and debt payments together":"租金和债务还款合计","Rent growth per year (%)":"每年租金增长率（%）","Rent per month":"每月租金","Rental yield calculator":"租金收益率计算器","Service charge, ground rent, or HOA per year":"每年物业费、地租或业主协会费","Take-home pay per month (optional)":"每月税后收入（可选）","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.":"最广为人知的建议是，租金支出不超过税前总收入的30%；许多房东要求年收入达到月租金的40倍，这一标准相同。将债务计算在内时，贷款机构通常希望住房和债务还款合计控制在税前总收入的约36%以内。按税后收入的25%确定租金，能为储蓄留下最多空间。这里的租金仅指租金本身；如果租金不包含水电等公用事业费，请另外加上。","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.":"资本化率是净运营收入÷价格，即全款购买房产时的年回报率。净运营收入是实际收取的租金减去房产税、保险、维修和管理等运营成本，但不包括按揭还款，因此无论融资方式如何，都可以比较房产。表格显示了相同收入在其他资本化率下对应的房产价值。","the cautious rule":"谨慎规则","the same as the 40× rent rule: {0}":"与40×租金规则相同：{0}","Vacancy":"空置","Vacancy (%)":"空置（%）","Vacancy and unpaid rent (%)":"空置和未收租金（%）","With no down payment and no closing costs, no cash is invested, so there is no cash-on-cash return to work out.":"没有首付款和成交费用，就没有投入现金，因此无法计算现金回报率。","Year":"年"}