貸款計算器

貸款計算器

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

理解結果

如何計算？

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還款額 = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]

實際示例

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.

假設、結果解讀與常見錯誤

計算假設

  • 貸款采用固定利率和等額月供。
  • 不包含貸款發起費、保險或罰金。
  • 假設整個期限內均按時還款。

如何解讀結果

  • 每月還款額為所需償還的本金與利息金額。
  • 總利息是超過原始本金的借款成本。
  • 評估貸款期限時，應比較總還款額，而不只是月供。

應避免的常見錯誤

  • 存在費用時，混用 APR 和票面利率。
  • 僅僅因為月供看起來較低就選擇更長期限。
  • 融資金額中遺漏相關費用。