🏠 公积金贷款计算器（中国）China Housing Provident Fund Loan Calculator
住房公积金贷款月供：等额本息 / 等额本金。利率请按当地公积金中心公布的一/二套房利率填写。China housing provident fund loan payment: equal installment or equal principal. Enter the rate published by your local fund centre.
使用说明与常见问题How-to & FAQ
「公积金贷款计算器（中国）」是什么？What is the China Housing Provident Fund Loan Calculator tool?
住房公积金贷款月供：等额本息 / 等额本金。利率请按当地公积金中心公布的一/二套房利率填写。China housing provident fund loan payment: equal installment or equal principal. Enter the rate published by your local fund centre.
如何使用「公积金贷款计算器（中国）」？How do I use the China Housing Provident Fund Loan Calculator tool?
在「公积金贷款计算器（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 Housing Provident Fund Loan Calculator: Fill in "Loan principal (CNY)", "Annual rate %", "Term (years)", "Method"; results are recalculated instantly as you type.
公积金贷款利率是多少？What is the fund loan rate?
由各地住房公积金管理中心公布，一/二套房利率不同。本工具不联网，请按当地最新利率填写。Set by local housing fund centres; first- and second-home rates differ. Enter your local rate - this tool does not fetch rates online.
计算结果可以作为最终依据吗？Can I rely on the result?
「公积金贷款计算器（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 Housing Provident Fund Loan Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「公积金贷款计算器（中国）」免费吗？需要注册吗？Is the China Housing Provident Fund Loan Calculator free? Do I need an account?
「公积金贷款计算器（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 Housing Provident Fund 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.