🏦 组合贷/公积金贷款计算器China Mortgage (Provident Fund & Combination Loan)

使用说明与常见问题How-to & FAQ

「组合贷/公积金贷款计算器」是什么？What is the China Mortgage (Provident Fund & Combination Loan) tool?

商业贷款+公积金组合贷款计算，支持等额本息和等额本金，显示首月月供、末月月供和总利息。China combination mortgage (commercial + housing provident fund), equal installment or equal principal.

如何使用「组合贷/公积金贷款计算器」？How do I use the China Mortgage (Provident Fund & Combination Loan) tool?

在「组合贷/公积金贷款计算器」中，填写「商贷金额(万)」、「商贷利率%」、「公积金金额(万)」、「公积金利率%」、「年限」等参数，结果会随输入实时计算并显示在下方。In the China Mortgage (Provident Fund & Combination Loan): Fill in "Commercial (10k CNY)", "Commercial rate %", "Provident fund (10k CNY)", "Provident rate %", "Years"; results are recalculated instantly as you type.

等额本息和等额本金哪个划算？Equal installment or equal principal?

等额本金总利息更少，但前期月供更高；等额本息每月固定，前期压力小。Equal principal pays less total interest but starts higher; equal installment keeps payments flat.

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

「组合贷/公积金贷款计算器」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 China Mortgage (Provident Fund & Combination Loan) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.

「组合贷/公积金贷款计算器」免费吗？需要注册吗？Is the China Mortgage (Provident Fund & Combination Loan) free? Do I need an account?

「组合贷/公积金贷款计算器」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 China Mortgage (Provident Fund & Combination Loan) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.