🏷️ APR年化利率计算器APR Calculator
把贷款的名义利率和各项费用（手续费、点数等）合并成真实年化利率 APR，比较不同贷款的实际成本。Combine a loan's interest rate with fees and points into the true annual percentage rate (APR) to compare real borrowing costs.
使用说明与常见问题How-to & FAQ
「APR年化利率计算器」是什么？What is the APR Calculator tool?
把贷款的名义利率和各项费用（手续费、点数等）合并成真实年化利率 APR，比较不同贷款的实际成本。Combine a loan's interest rate with fees and points into the true annual percentage rate (APR) to compare real borrowing costs.
如何使用「APR年化利率计算器」？How do I use the APR Calculator tool?
在「APR年化利率计算器」中，填写「贷款金额」、「名义年利率 %」、「期限(月)」、「费用合计」等参数，结果会随输入实时计算并显示在下方。In the APR Calculator: Fill in "Loan amount", "Interest rate %", "Term (months)", "Total fees"; results are recalculated instantly as you type.
计算结果可以作为最终依据吗？Can I rely on the result?
「APR年化利率计算器」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 APR Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「APR年化利率计算器」免费吗？需要注册吗？Is the APR Calculator free? Do I need an account?
「APR年化利率计算器」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 APR 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.