🏦 房贷计算器Loan & Mortgage Calculator

使用说明与常见问题How-to & FAQ

「房贷计算器」是什么？What is the Loan & Mortgage Calculator tool?

房贷/贷款计算器：等额本息和等额本金，计算月供、总利息和还款计划。Mortgage/loan calculator: monthly payment, total interest and amortization schedule.

如何使用「房贷计算器」？How do I use the Loan & Mortgage Calculator tool?

在「房贷计算器」中，在上方填写或选择所需内容，结果会实时显示在下方；所有处理都在浏览器本地完成。In the Loan & Mortgage Calculator: Fill in or choose the options above and the result appears below instantly; everything runs locally in your browser.

等额本息和等额本金哪个划算？Equal payment vs equal principal?

等额本金总利息更少但前期月供高；等额本息每月固定，前期压力小。Equal principal pays less total interest but starts higher; equal payment keeps a fixed monthly amount.

计算结果可以作为最终依据吗？Can I rely on the result?

「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 Loan & Mortgage Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.

「房贷计算器」免费吗？需要注册吗？Is the Loan & Mortgage Calculator free? Do I need an account?

「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 Loan & 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.