💳 个人贷款计算器Personal Loan Calculator
计算个人消费贷款的月供、总利息和总还款额；如有手续费（砍头息），同时给出实际到手金额和真实年化利率。Monthly payment, total interest and total cost of a personal loan; with an origination fee it also shows the cash you actually receive and the true APR.
使用说明与常见问题How-to & FAQ
「个人贷款计算器」是什么？What is the Personal Loan Calculator tool?
计算个人消费贷款的月供、总利息和总还款额；如有手续费（砍头息），同时给出实际到手金额和真实年化利率。Monthly payment, total interest and total cost of a personal loan; with an origination fee it also shows the cash you actually receive and the true APR.
如何使用「个人贷款计算器」？How do I use the Personal Loan Calculator tool?
在「个人贷款计算器」中，填写「贷款金额」、「年利率 %」、「期限(月)」、「手续费 %(从放款中扣除)」等参数，结果会随输入实时计算并显示在下方。In the Personal Loan Calculator: Fill in "Loan amount", "Interest rate %", "Term (months)", "Origination fee % (deducted)"; results are recalculated instantly as you type.
为什么真实年化利率比名义利率高？Why is the APR higher than the interest rate?
手续费从放款中先扣除，你实际只拿到 9,500 却按 10,000 还款，按实际到手金额反算出的内部收益率就是真实年化利率。The fee is taken out up front, so you receive less than you repay on; the rate that equates the cash received with the payments is the true APR.
计算结果可以作为最终依据吗？Can I rely on the result?
「个人贷款计算器」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 Personal Loan Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「个人贷款计算器」免费吗？需要注册吗？Is the Personal Loan Calculator free? Do I need an account?
「个人贷款计算器」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 Personal 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.