🛒 消费贷计算器（中国）China Consumer Loan Calculator
个人消费贷款等额本息月供与总利息。年化利率请按合同 APR / IRR 填写（有些产品宣传「日利率」需先换算）。Equal-installment payment and total interest for a China personal consumer loan. Enter the contractual APR/IRR (convert daily rates first if needed).
使用说明与常见问题How-to & FAQ
「消费贷计算器（中国）」是什么？What is the China Consumer Loan Calculator tool?
个人消费贷款等额本息月供与总利息。年化利率请按合同 APR / IRR 填写（有些产品宣传「日利率」需先换算）。Equal-installment payment and total interest for a China personal consumer loan. Enter the contractual APR/IRR (convert daily rates first if needed).
如何使用「消费贷计算器（中国）」？How do I use the China Consumer Loan Calculator tool?
在「消费贷计算器（中国）」中，填写「贷款金额（元）」、「年化利率 %」、「期数（月）」等参数，结果会随输入实时计算并显示在下方。In the China Consumer Loan Calculator: Fill in "Loan amount (CNY)", "APR %", "Term (months)"; results are recalculated instantly as you type.
日利率怎么换？How do I convert a daily rate?
年化 ≈ 日利率 × 360（或 365，看合同）。再填入本工具的「年化利率」。APR ≈ daily rate × 360 (or 365 per contract). Enter that APR here.
计算结果可以作为最终依据吗？Can I rely on the result?
「消费贷计算器（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 Consumer Loan Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「消费贷计算器（中国）」免费吗？需要注册吗？Is the China Consumer Loan Calculator free? Do I need an account?
「消费贷计算器（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 Consumer 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.