🏦 商业房贷计算器（中国）China Commercial Mortgage Calculator
中国商业住房贷款月供：等额本息 / 等额本金，显示首月月供、末月月供、总利息和还款总额。利率请自行按当前 LPR±基点填写。China commercial home loan payment: equal installment or equal principal, with first/last payment, total interest and repayment. Enter the rate from current LPR ± basis points yourself.
使用说明与常见问题How-to & FAQ
「商业房贷计算器（中国）」是什么？What is the China Commercial Mortgage Calculator tool?
中国商业住房贷款月供：等额本息 / 等额本金，显示首月月供、末月月供、总利息和还款总额。利率请自行按当前 LPR±基点填写。China commercial home loan payment: equal installment or equal principal, with first/last payment, total interest and repayment. Enter the rate from current LPR ± basis points yourself.
如何使用「商业房贷计算器（中国）」？How do I use the China Commercial Mortgage Calculator tool?
在「商业房贷计算器（中国）」中，填写「贷款本金（元）」、「年利率 %」、「贷款年限」、「还款方式」等参数，结果会随输入实时计算并显示在下方。In the China Commercial Mortgage Calculator: Fill in "Loan principal (CNY)", "Annual rate %", "Term (years)", "Method"; results are recalculated instantly as you type.
等额本息和等额本金怎么选？Equal installment or equal principal?
等额本息每月固定、前期压力小；等额本金总利息更少但前期月供更高。Equal installment keeps payments flat; equal principal costs less interest but starts higher.
计算结果可以作为最终依据吗？Can I rely on the result?
「商业房贷计算器（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 Commercial Mortgage Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「商业房贷计算器（中国）」免费吗？需要注册吗？Is the China Commercial Mortgage Calculator free? Do I need an account?
「商业房贷计算器（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 Commercial 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.