🚗 车贷 EMI 计算器Car Loan EMI Calculator
按本金、年利率与期数计算车贷等额本息月供。本地处理。可设置「贷款金额」、「年利率 %」、「期数（月）」。Car-loan EMI from principal, rate and term (level payment). Processed locally. Settings: Loan amount, Annual rate %, Term (months).
使用说明与常见问题How-to & FAQ
「车贷 EMI 计算器」是什么？What is the Car Loan EMI Calculator tool?
按本金、年利率与期数计算车贷等额本息月供。本地处理。可设置「贷款金额」、「年利率 %」、「期数（月）」。Car-loan EMI from principal, rate and term (level payment). Processed locally. Settings: Loan amount, Annual rate %, Term (months).
如何使用「车贷 EMI 计算器」？How do I use the Car Loan EMI Calculator tool?
在「车贷 EMI 计算器」中，填写「贷款金额」、「年利率 %」、「期数（月）」等参数，结果会随输入实时计算并显示在下方。In the Car Loan EMI Calculator: Fill in "Loan amount", "Annual rate %", "Term (months)"; results are recalculated instantly as you type.
EMI 是怎么算的？How is the EMI calculated?
EMI 是等额月供：EMI = P × i ÷ (1 − (1 + i)^−n)，P 为贷款金额，i 为月利率（年利率 ÷ 12），n 为期数（1–360 个月）。年利率为 0 时直接平均分摊本金。EMI is the level monthly payment: EMI = P × i ÷ (1 − (1 + i)^−n), where P is the loan, i the monthly rate (annual rate ÷ 12) and n the term (1–360 months). At 0% the principal is simply split evenly.
可以输入的范围？What input ranges are accepted?
贷款金额须大于 0 且不超过 10¹⁵；年利率 0–40%；期数为 1–360 的整数（月）。Loan amount above 0 and at most 10^15; annual rate 0–40%; term a whole number of months from 1 to 360.
哪些输入会被检查？Which inputs are validated?
「车贷 EMI 计算器」会检查这些输入——「贷款金额」、「年利率 %」：必须填写，不能为负数；「期数（月）」：必须填写，不能为负数，须为整数；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 Car Loan EMI Calculator checks its inputs — "Loan amount", "Annual rate %": required, cannot be negative; "Term (months)": required, cannot be negative, must be a whole number; 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?
「车贷 EMI 计算器」的设置：「贷款金额」默认 250000；「年利率 %」默认 7.5；「期数（月）」默认 60。每次生成结果都按当前设置处理。Settings in the Car Loan EMI Calculator — "Loan amount" default 250000; "Annual rate %" default 7.5; "Term (months)" default 60. 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?
「车贷 EMI 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 Car Loan EMI Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「车贷 EMI 计算器」免费吗？需要注册吗？Is the Car Loan EMI Calculator free? Do I need an account?
「车贷 EMI 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 Car Loan EMI 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.