💳 贷款还款计算器（等额本息、还款频率、额外还款节省）Loan Repayment Calculator (Fixed Payments, Payment Frequency, Extra Payment Savings)

使用说明与常见问题How-to & FAQ

「贷款还款计算器（等额本息、还款频率、额外还款节省）」是什么？What is the Loan Repayment Calculator (Fixed Payments, Payment Frequency, Extra Payment Savings) tool?

等额本息贷款的每期还款额、总还款和总利息，支持每月、每两周、每周还款；可填每期额外还款，看提前多久还清、少付多少利息。本地处理。Fixed-payment (amortising) loan: payment per period, total repaid and total interest, with monthly, fortnightly or weekly payments. Add an extra payment per period to see how much sooner the loan is paid off and the interest saved. Processed locally.

如何使用「贷款还款计算器（等额本息、还款频率、额外还款节省）」？How do I use the Loan Repayment Calculator (Fixed Payments, Payment Frequency, Extra Payment Savings) tool?

在「贷款还款计算器（等额本息、还款频率、额外还款节省）」中，填写「贷款本金」、「年利率（%）」、「期限（年）」、「还款频率」、「每期额外还款（可选）」等参数，结果会随输入实时计算并显示在下方。In the Loan Repayment Calculator (Fixed Payments, Payment Frequency, Extra Payment Savings): Fill in "Loan amount", "Annual interest rate (%)", "Term (years)", "Payment frequency", "Extra payment per period (optional)"; results are recalculated instantly as you type.

每月还款额怎么算？How is the monthly payment calculated?

等额本息公式：还款额 = P·r ÷ (1 − (1 + r)⁻ⁿ)，r 为月利率、n 为期数。20 万、年利率 5%、30 年：r = 0.05/12，n = 360，每月约 1,073.64。Amortising payment = P·r ÷ (1 − (1 + r)⁻ⁿ), with r the monthly rate and n the number of payments. For 200,000 at 5% over 30 years: r = 0.05/12, n = 360, about 1,073.64 a month.

额外还款能省多少？How much does an extra payment save?

额外还款直接减少本金，之后每期的利息都变少。在上例中每月多还 200，大约提前 8 年多还清，并少付几万元利息；填写后页面会算出具体数字。Extra payments reduce the principal directly, so every later period charges less interest. In the example above, 200 extra a month pays the loan off more than 8 years sooner and saves tens of thousands in interest; the page shows the exact figures.

能举个计算实例吗？Can you show a worked example?

例如在「贷款还款计算器（等额本息、还款频率、额外还款节省）」中填 贷款本金 = 200000，年利率（%） = 5，期限（年） = 30，还款频率 = 每月，结果区显示：每月还款：1,073.64；还款期数：360；总还款：386,511.57；总利息：186,511.57；ℹ 每期利率 = 年利率 ÷ 每年期数；还款额 = P·r ÷ (1 − (1 + r)⁻ⁿ)For example, entering Loan amount = 200000, Annual interest rate (%) = 5, Term (years) = 30, Payment frequency = Monthly in the Loan Repayment Calculator (Fixed Payments, Payment Frequency, Extra Payment Savings) gives: Monthly payment: 1,073.64; Number of payments: 360; Total repaid: 386,511.57; Total interest: 186,511.57; ℹ rate per period = annual rate ÷ payments per year; payment = P·r ÷ (1 − (1 + r)⁻ⁿ)

哪些输入会被检查？Which inputs are validated?

「贷款还款计算器（等额本息、还款频率、额外还款节省）」会检查这些输入——「贷款本金」：必须填写，须大于 0且不大于 1,000,000,000,000；「年利率（%）」：必须填写，须不小于 0且不大于 100；「期限（年）」：必须填写，须大于 0且不大于 100；「每期额外还款（可选）」：可留空；填写时须不小于 0且不大于 1,000,000,000,000；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 Loan Repayment Calculator (Fixed Payments, Payment Frequency, Extra Payment Savings) checks its inputs — "Loan amount": required, must be more than 0 and at most 1,000,000,000,000; "Annual interest rate (%)": required, must be at least 0 and at most 100; "Term (years)": required, must be more than 0 and at most 100; "Extra payment per period (optional)": optional; if given it must be at least 0 and at most 1,000,000,000,000; 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?

「贷款还款计算器（等额本息、还款频率、额外还款节省）」的设置：「贷款本金」默认 200000；「年利率（%）」默认 5；「期限（年）」默认 30；「还款频率」可选 每月、每两周、每周（默认 每月）；「每期额外还款（可选）」可留空。每次生成结果都按当前设置处理。Settings in the Loan Repayment Calculator (Fixed Payments, Payment Frequency, Extra Payment Savings) — "Loan amount" default 200000; "Annual interest rate (%)" default 5; "Term (years)" default 30; "Payment frequency": Monthly, Fortnightly, Weekly (default Monthly); "Extra payment per period (optional)" optional. 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?

「贷款还款计算器（等额本息、还款频率、额外还款节省）」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 Loan Repayment Calculator (Fixed Payments, Payment Frequency, Extra Payment Savings) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.

「贷款还款计算器（等额本息、还款频率、额外还款节省）」免费吗？需要注册吗？Is the Loan Repayment Calculator (Fixed Payments, Payment Frequency, Extra Payment Savings) free? Do I need an account?

「贷款还款计算器（等额本息、还款频率、额外还款节省）」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 Loan Repayment Calculator (Fixed Payments, Payment Frequency, Extra Payment Savings) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.