💸 等额本金提前还款计算器China Equal-Principal Prepayment Calculator
等额本金房贷提前还款：期限不变时的新首月月供、末月月供和节省利息（相对原计划）。Prepay an equal-principal China mortgage keeping the remaining term: new first/last payment and interest saved versus the original plan.
使用说明与常见问题How-to & FAQ
「等额本金提前还款计算器」是什么？What is the China Equal-Principal Prepayment Calculator tool?
等额本金房贷提前还款：期限不变时的新首月月供、末月月供和节省利息（相对原计划）。Prepay an equal-principal China mortgage keeping the remaining term: new first/last payment and interest saved versus the original plan.
如何使用「等额本金提前还款计算器」？How do I use the China Equal-Principal Prepayment Calculator tool?
在「等额本金提前还款计算器」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 Equal-Principal Prepayment Calculator: Fill in "Remaining principal (CNY)", "Annual rate %", "Months left", "Prepayment (CNY)"; results are recalculated instantly as you type.
这里按什么方式？Which method is this?
默认「减少月供、期限不变」的等额本金算法。若要缩短年限请用「提前还款对比」工具。Default equal-principal with the same remaining term (lower payments). To shorten the term, use the prepayment compare tool.
计算结果可以作为最终依据吗？Can I rely on the result?
「等额本金提前还款计算器」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 Equal-Principal Prepayment Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「等额本金提前还款计算器」免费吗？需要注册吗？Is the China Equal-Principal Prepayment Calculator free? Do I need an account?
「等额本金提前还款计算器」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 Equal-Principal Prepayment 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.