贷款计算器

贷款计算器

Estimate a fixed loan payment and compare two rate-and-term scenarios side by side.

理解结果

如何计算？

Both plans use the same principal with fixed monthly payments. The comparison includes principal and interest only; lender fees, insurance, penalties and irregular payment timing are excluded.

Fixed-payment loan comparison还款额 = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]

实际示例

Compare a 25,000 loan at 7.5% for five years with 6.5% for four years. The shorter plan can have a higher payment while reducing total interest.

假设、结果解读与常见错误

计算假设

  • 贷款采用固定利率和等额月供。
  • 不包含贷款发起费、保险或罚金。
  • 假设整个期限内均按时还款。

如何解读结果

  • 每月还款额为所需偿还的本金与利息金额。
  • 总利息是超过原始本金的借款成本。
  • 评估贷款期限时，应比较总还款额，而不只是月供。

应避免的常见错误

  • 存在费用时，混用 APR 和票面利率。
  • 仅仅因为月供看起来较低就选择更长期限。
  • 融资金额中遗漏相关费用。