🏦 房贷利息计算器Mortgage Interest Calculator

使用说明与常见问题How-to & FAQ

「房贷利息计算器」是什么？What is the Mortgage Interest Calculator tool?

按分精确计算等额本息房贷的月供、总利息和最后一期。本地处理。可设置「本金」、「年利率 %」、「年限」。Cent-exact monthly payment, total interest and final payment for a level-payment mortgage. Processed locally. Settings: Principal, Annual rate %, Years.

如何使用「房贷利息计算器」？How do I use the Mortgage Interest Calculator tool?

在「房贷利息计算器」中，填写「本金」、「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 Mortgage Interest Calculator: Fill in "Principal", "Annual rate %", "Years"; results are recalculated instantly as you type.

等额本息？Level payment?

是。每月还款相同，利息按剩余本金 × 月利率逐月计算。Yes — every monthly payment is the same and each month's interest is the remaining balance × the monthly rate.

怎么四舍五入？How is rounding handled?

按分（0.01）精确计算：月供按标准公式四舍五入到分，每月利息四舍五入到分，最后一期把剩余本金一次付清，所以最后一期可能与月供相差几分钱。总利息是各月利息之和。Exactly in cents: the payment is the standard formula rounded to the cent, each month's interest is rounded to the cent, and the last payment clears whatever principal remains, so it can differ from the regular payment by a few cents. Total interest is the sum of the monthly interest.

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

例如在「房贷利息计算器」中填 本金 = 100000，年利率 % = 0，年限 = 10，结果区显示：月供：833.33；总利息：0.00；还款总额：100,000.00；最后一期（含尾差）：833.73For example, entering Principal = 100000, Annual rate % = 0, Years = 10 in the Mortgage Interest Calculator gives: Monthly payment: 833.33; Total interest: 0.00; Total paid: 100,000.00; Final payment (adjusted): 833.73

哪些输入会被检查？Which inputs are validated?

「房贷利息计算器」会检查这些输入——「本金」、「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 Mortgage Interest Calculator checks its inputs — "Principal", "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?

「房贷利息计算器」的设置：「本金」默认 400000；「年利率 %」默认 6；「年限」默认 30。每次生成结果都按当前设置处理。Settings in the Mortgage Interest Calculator — "Principal" default 400000; "Annual rate %" default 6; "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?

「房贷利息计算器」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 Mortgage Interest Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.

「房贷利息计算器」免费吗？需要注册吗？Is the Mortgage Interest Calculator free? Do I need an account?

「房贷利息计算器」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 Mortgage Interest 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.