按 WHO + NIH 标准分类 BMI 等级，识别 Class III（重度）肥胖和减肥手术指征。
使用 主房贷计算器 输入你的实际参数（首付、利率、年限）即可获得完整 PITI 分解。
WHO + NIH 标准：
| BMI 范围 | 分类 | 1.70m 对应体重 | 减肥手术 |
|---|---|---|---|
| 25-29.9 | 超重 | 72-87 kg | 否 |
| 30-34.9 | Class I 肥胖 | 87-101 kg | 否 |
| 35-39.9 | Class II 严重 | 101-115 kg | 如有并发症 |
| ≥ 40 | Class III 重度 | > 116 kg | 可考虑 |
BMI 不能区分肌肉与脂肪（肌肉量大者 BMI 30 但健康）。亚洲人 BMI 标准更低（中国 BMI >= 24 即超重）。BMI ≥ 40 或 ≥ 35 伴糖尿病/高血压/OSA 是减肥手术指征（胃旁路、胃束带）。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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