⚖️ 贷款方案对比计算器Loan Comparison Calculator
并排比较两个贷款方案（金额、年利率、期限、手续费）：月供、总利息、总成本和含费用的实际年利率（APR），一眼看出哪个更划算。Compare two loan offers side by side — amount, rate, term and fees — to see the monthly payment, total interest, total cost and fee-inclusive APR of each.
使用说明与常见问题How-to & FAQ
「贷款方案对比计算器」是什么？What is the Loan Comparison Calculator tool?
并排比较两个贷款方案（金额、年利率、期限、手续费）：月供、总利息、总成本和含费用的实际年利率（APR），一眼看出哪个更划算。Compare two loan offers side by side — amount, rate, term and fees — to see the monthly payment, total interest, total cost and fee-inclusive APR of each.
如何使用「贷款方案对比计算器」？How do I use the Loan Comparison Calculator tool?
在「贷款方案对比计算器」中，填写「方案 A 金额」、「A 年利率 %」、「A 期限（月）」、「A 手续费」、「方案 B 金额」等参数，结果会随输入实时计算并显示在下方。In the Loan Comparison Calculator: Fill in "Loan A amount", "A rate %", "A term (months)", "A fees", "Loan B amount"; results are recalculated instantly as you type.
为什么要看 APR 而不是名义利率？Why compare APR rather than the rate?
手续费（如开户费、服务费）会提高实际借款成本。APR 把手续费摊进利率：按“到手金额 = 贷款额 − 手续费”反求使月供相同的年利率。利率低但手续费高的方案，APR 可能反而更高。Fees raise the real cost of borrowing. APR folds them into the rate by solving for the rate at which the amount you actually receive (loan − fees) is repaid by the same monthly payment. A lower rate with high fees can have a higher APR.
期限不同怎么比较？How do I compare different terms?
期限越长月供越低，但总利息通常越多。“利息 + 手续费”是整个期限内的总成本，适合比较；如果更在意每月现金流，再看月供。Longer terms lower the payment but usually raise total interest. Interest + fees is the full cost over the term and is the fairest comparison; look at the payment if monthly cash flow matters more.
计算结果可以作为最终依据吗？Can I rely on the result?
「贷款方案对比计算器」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 Comparison Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「贷款方案对比计算器」免费吗？需要注册吗？Is the Loan Comparison Calculator free? Do I need an account?
「贷款方案对比计算器」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 Comparison 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.