🏠 只付利息房贷计算器Interest-Only Mortgage Calculator
计算只付利息期内的月供、期满后转为本息还款的月供跳涨，以及总利息，并与同期限普通等额本息房贷对比。Work out the monthly payment during an interest-only period, the jump when it switches to repaying principal, and the total interest — compared with an ordinary fully amortizing loan over the same term.
使用说明与常见问题How-to & FAQ
「只付利息房贷计算器」是什么？What is the Interest-Only Mortgage Calculator tool?
计算只付利息期内的月供、期满后转为本息还款的月供跳涨，以及总利息，并与同期限普通等额本息房贷对比。Work out the monthly payment during an interest-only period, the jump when it switches to repaying principal, and the total interest — compared with an ordinary fully amortizing loan over the same term.
如何使用「只付利息房贷计算器」？How do I use the Interest-Only Mortgage Calculator tool?
在「只付利息房贷计算器」中，填写「贷款金额」、「年利率 %」、「只付利息年数」、「总期限（年）」等参数，结果会随输入实时计算并显示在下方。In the Interest-Only Mortgage Calculator: Fill in "Loan amount", "Interest rate %", "Interest-only years", "Total term (years)"; results are recalculated instantly as you type.
只付利息房贷怎么算？How does an interest-only mortgage work?
只付利息期内每月只还利息 = 贷款 × 年利率 ÷ 12，本金不减少；期满后剩余期限内按等额本息偿还全部本金，所以月供会明显上升。During the interest-only period you pay just loan × rate ÷ 12 and the balance does not fall; afterwards the full principal is repaid over the remaining years, so the payment rises sharply.
划算吗？Is it worth it?
前期月供低，但总利息通常更多，且期满时的月供跳涨可能带来压力。适合收入预计会增加或打算提前出售/再融资的人，并须评估利率和房价风险。Early payments are lower, but total interest is usually higher and the later jump can strain budgets. It can suit people expecting higher income or planning to sell or refinance, with the rate and price risks in mind.
计算结果可以作为最终依据吗？Can I rely on the result?
「只付利息房贷计算器」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 Interest-Only Mortgage Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「只付利息房贷计算器」免费吗？需要注册吗？Is the Interest-Only Mortgage Calculator free? Do I need an account?
「只付利息房贷计算器」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 Interest-Only Mortgage 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.