房贷计算器Mortgage Calculator
支持商业贷款、公积金贷款和组合贷款，按最新 LPR 与公积金政策测算等额本息、等额本金、利率重定价情景、总利息及逐月还款计划。Estimate Chinese commercial, housing provident-fund and combined mortgages, comparing repayment methods and monthly schedules using your entered rates.
贷款方案
选择贷款类型与金额计算方式
测算结果已更新，等额本息，首期还款 ¥11,061.00，总利息 ¥1,431,960。
首月 ¥13,921
总利息 ¥1,234,169，与当前方案相比 少 ¥197,791结果按月利率、全精度逐期计算，仅供财务规划参考；除已设置的模拟重定价外，不预测未来利率变化。银行实际还款额可能因计息日、四舍五入、重定价周期、放款日和当地政策产生差异。
房贷计算器使用指南Mortgage Calculator: guide
房贷计算器支持商业贷款、公积金贷款、组合贷款、等额本息与等额本金，按输入利率测算月供、总利息和逐月还款计划。Estimate Chinese commercial, housing provident-fund and combined mortgages, comparing repayment methods and monthly schedules using your entered rates.
- 选择贷款类型，填写金额、期限和适用利率。Choose a loan type, amount, term and applicable interest rate.
- 比较还款方式，查看月供、总利息及逐月还款计划。Compare payments and interest, and inspect the repayment schedule.
计算结果就是银行实际扣款金额吗？Will the estimate match a bank statement?
不是。结果用于方案测算；实际金额取决于贷款合同、放款日期、计息规则和银行执行利率。请核对页面政策日期并按实际合同修改参数。Not necessarily. Contracts, disbursement dates, interest rules and bank rates determine actual payments. Check the policy date shown and enter your actual terms. Amounts are in CNY.
免费使用，无需注册。工具输入在浏览器本地处理；网站访问统计不包含工具输入内容。Free to use, no registration. Tool input is processed locally in your browser and is not included in website analytics.