📋 房贷还款计划表（中国）China Mortgage Amortization Schedule
生成商业房贷逐月还款计划：等额本息或等额本金，列出每期月供、利息、本金和余额（最多显示前 360 行）。Month-by-month China commercial mortgage schedule (equal installment or equal principal): payment, interest, principal and balance (first 360 rows).
使用说明与常见问题How-to & FAQ
「房贷还款计划表（中国）」是什么？What is the China Mortgage Amortization Schedule tool?
生成商业房贷逐月还款计划：等额本息或等额本金，列出每期月供、利息、本金和余额（最多显示前 360 行）。Month-by-month China commercial mortgage schedule (equal installment or equal principal): payment, interest, principal and balance (first 360 rows).
如何使用「房贷还款计划表（中国）」？How do I use the China Mortgage Amortization Schedule tool?
在「房贷还款计划表（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 Mortgage Amortization Schedule: Fill in "Loan principal (CNY)", "Annual rate %", "Term (years)", "Method"; results are recalculated instantly as you type.
计划表怎么算？How is the schedule calculated?
等额本息：每月固定月供，利息 = 余额 × 月利率，本金 = 月供 - 利息。等额本金：每月本金固定，利息随余额下降。Equal installment: fixed payment; interest = balance × monthly rate. Equal principal: fixed principal each month; interest falls with the balance.
计算结果可以作为最终依据吗？Can I rely on the result?
「房贷还款计划表（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 Mortgage Amortization Schedule uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「房贷还款计划表（中国）」免费吗？需要注册吗？Is the China Mortgage Amortization Schedule free? Do I need an account?
「房贷还款计划表（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 Mortgage Amortization Schedule is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.