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Mortgage Calculator 房贷计算器

Supports equal payment and equal principal methods. Calculates monthly payment, total interest and amortization schedule. 支持等额本息与等额本金两种方式，计算月供、总利息与还款明细。

Loan Calculator

Auto-calculate on input
Repayment Method
¥元
yrs年
%
Current first-home commercial rate ~3.85%, adjust as needed
Monthly Payment
¥ 0
Total Interest
¥ 0
Total Repayment
¥ 0
Months
0
Amortization Schedule (First 12 periods)
Period期数Payment月供Principal本金Interest利息Balance剩余本金

Mortgage Calculator Guide

This mortgage calculator estimates the monthly payment, total interest, and amortization schedule for a home loan. It supports both Equal Payment and Equal Principal repayment methods. All calculations run locally in your browser — no financial data is uploaded to any server.

Equal Payment

The monthly payment stays fixed throughout the loan term, making it suitable for borrowers with stable income. Interest accounts for a larger share of early payments, while the principal portion gradually increases over time.

Monthly Payment = Principal × Monthly Rate × (1 + Monthly Rate)^Terms ÷ [(1 + Monthly Rate)^Terms − 1]

Equal Principal

Each month you repay a fixed principal amount plus interest on the remaining balance, so the monthly payment decreases over time. Total interest is lower than with Equal Payment, but early payments are higher.

Monthly Principal = Principal ÷ Terms
Payment for Month N = Monthly Principal + (Principal − Monthly Principal × (N − 1)) × Monthly Rate

FAQ

How is the monthly rate calculated?
Monthly Rate = Annual Rate ÷ 12. For example, an annual rate of 3.85% gives a monthly rate of approximately 0.3208%.
Which repayment method is more cost-effective?
Equal Principal results in less total interest, while Equal Payment offers a more stable monthly burden. If you have surplus funds early on and want to save on interest, choose Equal Principal; if you prefer a predictable monthly payment, choose Equal Payment.
Can I make early repayments?
This tool only calculates regular repayment schedules. Early repayment involves bank-specific penalty policies and should be calculated separately. Results are for reference only.

Note: Results from this tool are for reference only. Actual repayment terms are subject to your lending bank's approval.

房贷计算器说明

房贷计算器用于估算按揭贷款的月供金额、总利息与还款明细，支持等额本息与等额本金两种主流还款方式。所有计算在浏览器本地完成，输入的财务信息不会上传任何服务器。

等额本息

每月还款金额固定，适合收入稳定的借款人。前期还款中利息占比高、本金占比低，后期逐渐反转。

月供 = 贷款本金 × 月利率 × (1+月利率)^期数 ÷ [(1+月利率)^期数 - 1]

等额本金

每月偿还固定本金加剩余本金当月利息，月供逐月递减。总利息比等额本息少，但前期还款压力较大。

每月本金 = 贷款本金 ÷ 期数
第 N 月月供 = 每月本金 + (贷款本金 - 每月本金 × (N-1)) × 月利率

常见问题

月利率怎么算？
月利率 = 年利率 ÷ 12。例如年利率 3.85%，月利率约 0.3208%。
两种方式哪种更划算？
从总利息看，等额本金更少；从月供压力看，等额本息更平稳。若前期资金宽裕且想省利息，选等额本金；若追求月供稳定，选等额本息。
能提前还款吗？
本工具仅计算正常还款计划，提前还款需结合银行违约金政策单独测算，结果仅供参考。

说明：本工具计算结果仅供参考，实际还款以贷款银行核定为准。