🔀 提前还款对比计算器（中国）China Mortgage Prepayment Compare
商业房贷（等额本息）提前还款：对比「减少月供」与「缩短年限」两种方式节省的利息。China commercial mortgage (equal installment) prepayment: compare lowering the payment versus shortening the term.
使用说明与常见问题How-to & FAQ
「提前还款对比计算器（中国）」是什么？What is the China Mortgage Prepayment Compare tool?
商业房贷（等额本息）提前还款：对比「减少月供」与「缩短年限」两种方式节省的利息。China commercial mortgage (equal installment) prepayment: compare lowering the payment versus shortening the term.
如何使用「提前还款对比计算器（中国）」？How do I use the China Mortgage Prepayment Compare tool?
在「提前还款对比计算器（中国）」中，填写「剩余本金（元）」、「年利率 %」、「剩余月数」、「提前还款（元）」等参数，结果会随输入实时计算并显示在下方。In the China Mortgage Prepayment Compare: Fill in "Remaining principal (CNY)", "Annual rate %", "Months left", "Prepayment (CNY)"; results are recalculated instantly as you type.
哪种更省利息？Which saves more interest?
通常「缩短年限、保持原月供」节省的利息更多；「减少月供」则降低每月现金流压力。Shortening the term while keeping the payment usually saves more interest; lowering the payment eases cash flow.
计算结果可以作为最终依据吗？Can I rely on the result?
「提前还款对比计算器（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 Mortgage Prepayment Compare uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「提前还款对比计算器（中国）」免费吗？需要注册吗？Is the China Mortgage Prepayment Compare free? Do I need an account?
「提前还款对比计算器（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 Mortgage Prepayment Compare is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.