🚗 车贷计算器（中国）China Auto Loan Calculator
汽车贷款等额本息：车价、首付、费率/利率、期数。可计入购置税粗算（税率可改）。China auto loan equal installment from price, down payment, rate and term. Optional rough purchase-tax line (editable rate).
使用说明与常见问题How-to & FAQ
「车贷计算器（中国）」是什么？What is the China Auto Loan Calculator tool?
汽车贷款等额本息：车价、首付、费率/利率、期数。可计入购置税粗算（税率可改）。China auto loan equal installment from price, down payment, rate and term. Optional rough purchase-tax line (editable rate).
如何使用「车贷计算器（中国）」？How do I use the China Auto Loan Calculator tool?
在「车贷计算器（中国）」中，填写「车价（元）」、「首付（元）」、「年利率 %」、「期数（月）」、「购置税税率 %（可选，0=不计）」等参数，结果会随输入实时计算并显示在下方。In the China Auto Loan Calculator: Fill in "Car price (CNY)", "Down payment (CNY)", "APR %", "Term (months)", "Purchase tax % (optional, 0=skip)"; results are recalculated instantly as you type.
厂商贴息怎么算？What about dealer subsidies?
贴息后实际利率可能更低。请把「贴息后的实际年化」填进利率框。Subsidies can lower the effective APR - enter the true APR after subsidy.
计算结果可以作为最终依据吗？Can I rely on the result?
「车贷计算器（中国）」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 Auto Loan Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「车贷计算器（中国）」免费吗？需要注册吗？Is the China Auto Loan Calculator free? Do I need an account?
「车贷计算器（中国）」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 Auto 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.