🏠 双周房贷计算器Biweekly Mortgage Calculator

使用说明与常见问题How-to & FAQ

「双周房贷计算器」是什么？What is the Biweekly Mortgage Calculator tool?

比较每月还款与双周还款（每两周付月供的一半）的总利息、期数和节省的时间。按分精确计算。本地处理。Compare monthly vs biweekly mortgage payments (half the monthly payment every two weeks): total interest, number of payments and time saved. Cent-exact. Processed locally.

如何使用「双周房贷计算器」？How do I use the Biweekly Mortgage Calculator tool?

在「双周房贷计算器」中，填写「贷款本金」、「年利率 %」、「年限」等参数，结果会随输入实时计算并显示在下方。In the Biweekly Mortgage Calculator: Fill in "Principal", "Annual rate %", "Years"; results are recalculated instantly as you type.

为何更快还清？Why is it paid off faster?

一年 52 周共 26 次半额还款，相当于每年 13 个月供（多还 1 个月），而且利息按更短的周期计算。52 weeks give 26 half-payments a year, the same as 13 monthly payments (one extra), and interest is charged over shorter periods.

怎么四舍五入？How is rounding handled?

全部按分（0.01）用整数精确计算：每月还款按标准公式四舍五入到分；双周还款为月供的一半，半分向上取整；每期利息 = 余额 × 年利率 ÷ 26（双周）或 ÷ 12（按月），四舍五入到分；最后一期只付剩余本金加当期利息。Everything is calculated exactly in whole cents: the monthly payment is the standard formula rounded to the cent; the biweekly payment is half of it, with a half cent rounded up; each period's interest is balance × annual rate ÷ 26 (biweekly) or ÷ 12 (monthly), rounded to the cent; the final payment is just the remaining principal plus that period's interest.

0% 利率时结果如何？What happens at 0% interest?

20 万本金、10 年：月供 1,666.67，双周还款 833.34，需 240 次双周还款（最后一期 833.34 以内的余额），总利息都是 0，约 9.23 年还清。With 200,000 over 10 years: the monthly payment is 1,666.67, the biweekly payment 833.34, 240 biweekly payments are needed (the last one covers the small remainder), interest is 0 either way, and the loan is paid off in about 9.23 years.

能举个计算实例吗？Can you show a worked example?

例如在「双周房贷计算器」中填 贷款本金 = 200000，年利率 % = 0，年限 = 10，结果区显示：每月还款：1,666.67；双周还款（月供一半）：833.34；总利息（按月）：0.00；总利息（双周）：0.00；节省利息：0.00；双周期数：240；最后一期：831.74；还清时间（双周）：9.23 年；节省时间：9 个月For example, entering Principal = 200000, Annual rate % = 0, Years = 10 in the Biweekly Mortgage Calculator gives: Monthly payment: 1,666.67; Biweekly payment (½ monthly): 833.34; Total interest (monthly): 0.00; Total interest (biweekly): 0.00; Interest saved: 0.00; Biweekly payments: 240; Final payment: 831.74; Payoff time (biweekly): 9.23 years; Time saved: 9 mo

哪些输入会被检查？Which inputs are validated?

「双周房贷计算器」会检查这些输入——「贷款本金」、「年利率 %」、「年限」：必须填写，不能为负数；绝对值超过 10¹⁵ 的数也会被拒绝。不符合时结果区显示具体提示，不会给出数字。The Biweekly Mortgage Calculator checks its inputs — "Principal", "Annual rate %", "Years": required, cannot be negative; numbers above 10¹⁵ in absolute value are rejected too. When a value fails, the result area names the problem instead of showing a number.

有哪些选项可以调整？What options can I adjust?

「双周房贷计算器」的设置：「贷款本金」默认 300000；「年利率 %」默认 6.5；「年限」默认 30。每次生成结果都按当前设置处理。Settings in the Biweekly Mortgage Calculator — "Principal" default 300000; "Annual rate %" default 6.5; "Years" default 30. The result always uses the current settings.

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

「双周房贷计算器」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 Biweekly Mortgage Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.

「双周房贷计算器」免费吗？需要注册吗？Is the Biweekly Mortgage Calculator free? Do I need an account?

「双周房贷计算器」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 Biweekly Mortgage 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.