✅ 公积金贷款额度估算（示意）China Housing Fund Loan Eligibility (Illustrative)
示意性估算：可贷额度 ≈ min(账户余额 × 倍数, 缴存基数 × 收入倍数 × 年限系数, 当地最高额)。倍数可改，结果仅供参考，以中心核定为准。Illustrative estimate: max loan ≈ min(balance × multiplier, contribution base × income factor × term factor, local cap). Editable multipliers - fund centre decision prevails.
使用说明与常见问题How-to & FAQ
「公积金贷款额度估算（示意）」是什么？What is the China Housing Fund Loan Eligibility (Illustrative) tool?
示意性估算：可贷额度 ≈ min(账户余额 × 倍数, 缴存基数 × 收入倍数 × 年限系数, 当地最高额)。倍数可改，结果仅供参考，以中心核定为准。Illustrative estimate: max loan ≈ min(balance × multiplier, contribution base × income factor × term factor, local cap). Editable multipliers - fund centre decision prevails.
如何使用「公积金贷款额度估算（示意）」？How do I use the China Housing Fund Loan Eligibility (Illustrative) tool?
在「公积金贷款额度估算（示意）」中，填写「公积金账户余额（元）」、「缴存基数（元）」、「余额倍数（可改）」、「收入倍数（可改）」、「拟贷年限」等参数，结果会随输入实时计算并显示在下方。In the China Housing Fund Loan Eligibility (Illustrative): Fill in "Fund account balance (CNY)", "Contribution base (CNY)", "Balance multiplier (editable)", "Income multiplier (editable)", "Intended term (years)"; results are recalculated instantly as you type.
为什么叫「示意」？Why "illustrative"?
各城市计算公式、倍数和附加条件不同。请以当地住房公积金管理中心贷款计算器或窗口答复为准。Cities use different formulas and extras. Rely on your local fund centre's calculator or staff.
计算结果可以作为最终依据吗？Can I rely on the result?
「公积金贷款额度估算（示意）」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 Fund Loan Eligibility (Illustrative) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「公积金贷款额度估算（示意）」免费吗？需要注册吗？Is the China Housing Fund Loan Eligibility (Illustrative) free? Do I need an account?
「公积金贷款额度估算（示意）」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 Fund Loan Eligibility (Illustrative) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.