🏠 房贷 EMI 计算器Home Loan EMI Calculator
按房价、首付、年利率与年限计算房贷月供。本地处理。可设置「房价」、「首付 %」、「年利率 %」、「年限」。Home-loan EMI from price, down payment, rate and years. Processed locally. Settings: Home price, Down payment %, Annual rate %, Years.
使用说明与常见问题How-to & FAQ
「房贷 EMI 计算器」是什么？What is the Home Loan EMI Calculator tool?
按房价、首付、年利率与年限计算房贷月供。本地处理。可设置「房价」、「首付 %」、「年利率 %」、「年限」。Home-loan EMI from price, down payment, rate and years. Processed locally. Settings: Home price, Down payment %, Annual rate %, Years.
如何使用「房贷 EMI 计算器」？How do I use the Home Loan EMI Calculator tool?
在「房贷 EMI 计算器」中，填写「房价」、「首付 %」、「年利率 %」、「年限」等参数，结果会随输入实时计算并显示在下方。In the Home Loan EMI Calculator: Fill in "Home price", "Down payment %", "Annual rate %", "Years"; results are recalculated instantly as you type.
含税保？Tax/insurance?
只算本息，不含税费与保险。Principal and interest only — no tax/insurance.
为什么月供 × 期数 ≠ 还款总额？Why doesn't EMI × months equal the total paid?
月供四舍五入到分，每期利息也四舍五入到分，最后一期付清剩余本金，所以最后一期会和月供差一点；页面单独显示最后一期，还款总额是逐期实付金额之和。The EMI and each month's interest are rounded to the cent and the last payment clears what is left, so the last payment differs slightly from the EMI. The page shows that final payment separately, and Total paid is the sum of the actual payments.
可以输入的范围？What input ranges are accepted?
房价须大于 0 且不超过 10¹⁵；首付 0–100%；年利率 0–30%；年限为 1–50 的整数。Home price above 0 and at most 10^15; down payment 0–100%; annual rate 0–30%; term a whole number of years from 1 to 50.
哪些输入会被检查？Which inputs are validated?
「房贷 EMI 计算器」会检查这些输入——「房价」、「首付 %」、「年利率 %」、「年限」：必须填写，不能为负数；绝对值超过 10¹⁵ 的数也会被拒绝。不符合时结果区显示具体提示，不会给出数字。The Home Loan EMI Calculator checks its inputs — "Home price", "Down payment %", "Annual rate %", "Years": required, cannot be negative; numbers above 10¹⁵ in absolute value are rejected too. When a value fails, the result area names the problem instead of showing a number.
有哪些选项可以调整？What options can I adjust?
「房贷 EMI 计算器」的设置：「房价」默认 500000；「首付 %」默认 20；「年利率 %」默认 6.2；「年限」默认 30。每次生成结果都按当前设置处理。Settings in the Home Loan EMI Calculator — "Home price" default 500000; "Down payment %" default 20; "Annual rate %" default 6.2; "Years" default 30. The result always uses the current settings.
计算结果可以作为最终依据吗？Can I rely on the result?
「房贷 EMI 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 Home Loan EMI Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「房贷 EMI 计算器」免费吗？需要注册吗？Is the Home Loan EMI Calculator free? Do I need an account?
「房贷 EMI 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 Home Loan EMI 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.