🚤 船贷计算器Boat Loan Calculator
输入船价、首付、旧船折价、销售税和贷款利率期限，计算船贷月供、贷款本金和总利息。Estimate the monthly payment on a boat loan from the price, down payment, trade-in, sales tax, APR and term, with the amount financed and total interest.
使用说明与常见问题How-to & FAQ
「船贷计算器」是什么？What is the Boat Loan Calculator tool?
输入船价、首付、旧船折价、销售税和贷款利率期限，计算船贷月供、贷款本金和总利息。Estimate the monthly payment on a boat loan from the price, down payment, trade-in, sales tax, APR and term, with the amount financed and total interest.
如何使用「船贷计算器」？How do I use the Boat Loan Calculator tool?
在「船贷计算器」中，填写「船价」、「首付」、「旧船折价（可选）」、「销售税 %」、「手续费（可选）」等参数，结果会随输入实时计算并显示在下方。In the Boat Loan Calculator: Fill in "Boat price", "Down payment", "Trade-in value (optional)", "Sales tax %", "Fees (optional)"; results are recalculated instantly as you type.
船贷一般贷多久？How long are boat loans?
船贷期限因贷款机构、金额和船龄而异，较大金额的贷款期限往往更长（这是一般观察，不是统一标准，请以贷款机构的报价为准）。期限越长月供越低，但总利息越多。总利息按每月四舍五入到分的实际还款表计算，最后一期补齐差额，通常与公式直接算出的数字只差几分到几元；但利率很高、期限很长时，每期不到半分钱的舍入差会按复利累积，差额可能达到几十元甚至更多；在极端利率下（例如年利率 100%、180 期），每月利息几乎等于月供，舍入后的本金可能完全没有减少，整笔本金都要在最后一期付清，总利息也会明显高于公式值。这些差额都体现在最后一期的金额上；最后一期比月供高出 5% 以上时，结果里会单独提示。Boat loan terms vary by lender, amount and boat age, and bigger loans tend to run longer (a general observation, not a standard — use your lender's quote). A longer term lowers the payment but raises total interest. Total interest comes from the actual schedule with each month rounded to the cent and the last payment adjusted, so it usually differs from the pure formula by a few cents or dollars; at very high rates and long terms the sub-cent rounding compounds and the gap can reach tens of dollars or more; at extreme rates (e.g. 100% APR over 180 months) each month's interest nearly equals the payment, so the rounded schedule may not reduce the principal at all, leaving the whole balance to the final payment and pushing total interest well above the formula figure. All of this shows up in the final payment, and the result shows a note when the final payment is more than 5% above the regular payment.
销售税怎么算？How is sales tax handled?
这里按 (船价 − 旧船折价) × 税率 计算，并计入贷款本金；不同州对折价是否抵税规定不同，请以当地规定为准。It is (price − trade-in) × rate and is rolled into the loan; states differ on whether a trade-in reduces the taxable amount, so check local rules.
计算结果可以作为最终依据吗？Can I rely on the result?
「船贷计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Boat Loan Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「船贷计算器」免费吗？需要注册吗？Is the Boat Loan Calculator free? Do I need an account?
「船贷计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Boat Loan Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.