🏠 房贷摊销表计算器Mortgage Amortization Calculator
输入贷款金额、年利率、年限和首次还款月份，生成完整的等额本息摊销表（每月本金、利息、剩余本金），可加每月额外还款，查看节省的利息和提前还清日期。Build a full amortization schedule (principal, interest and balance for every payment) from loan amount, rate, term and first payment month, with optional extra monthly payments to see the interest saved and the new payoff date.
使用说明与常见问题How-to & FAQ
「房贷摊销表计算器」是什么？What is the Mortgage Amortization Calculator tool?
输入贷款金额、年利率、年限和首次还款月份，生成完整的等额本息摊销表（每月本金、利息、剩余本金），可加每月额外还款，查看节省的利息和提前还清日期。Build a full amortization schedule (principal, interest and balance for every payment) from loan amount, rate, term and first payment month, with optional extra monthly payments to see the interest saved and the new payoff date.
如何使用「房贷摊销表计算器」？How do I use the Mortgage Amortization Calculator tool?
在「房贷摊销表计算器」中，填写「贷款金额」、「年利率 %」、「贷款年限」、「首次还款日期」、「每月额外还本（可选）」等参数，结果会随输入实时计算并显示在下方。In the Mortgage Amortization Calculator: Fill in "Loan amount", "Interest rate %", "Term (years)", "First payment date", "Extra monthly principal (optional)"; results are recalculated instantly as you type.
摊销表是怎么算的？How is the schedule computed?
每月还款 = P·i ÷ (1 − (1+i)^−n)，i 为月利率（年利率 ÷ 12），n 为期数，四舍五入到分。每期利息 = 上期剩余本金 × i（按分取整），其余部分还本金；最后一期按剩余本金（含当期利息）结清，由于每期按分取整，金额通常与平时月供相差几分到几元，可能略多也可能略少；结果中“最后一期”会显示这笔金额。Payment = P·i ÷ (1 − (1+i)^−n) with i = annual rate ÷ 12 and n payments, rounded to the cent. Each month's interest = previous balance × i (rounded to the cent) and the rest reduces principal; the final payment clears the remaining balance plus that month's interest, so because of cent rounding it usually differs from the regular payment by a few cents or dollars — up or down. The Final payment line shows that amount.
额外还款有什么效果？What does an extra payment do?
额外金额全部用于偿还本金，利息基数下降，因此总利息减少、还清时间提前；工具会和不加额外还款的方案对比给出节省的利息和提前的月数。The extra amount goes straight to principal, shrinking the interest base, so total interest falls and the loan ends sooner; the tool compares against no extra payment to show interest saved and months gained.
包含房产税和保险吗？Does it include taxes and insurance?
不包含，只计算本金和利息（P&I）。需要月供含房产税、保险、PMI 的完整估算，请使用本站的房贷计算器。No — principal and interest only. For a full payment with property tax, insurance and PMI, use the mortgage calculator.
计算结果可以作为最终依据吗？Can I rely on the result?
「房贷摊销表计算器」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 Mortgage Amortization Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「房贷摊销表计算器」免费吗？需要注册吗？Is the Mortgage Amortization Calculator free? Do I need an account?
「房贷摊销表计算器」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 Mortgage Amortization 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.